Fixed Rate Home Loans

Interest rates in Australia have never been lower.

If your client wants to lock in now and know exactly how much their loan repayments will be over the next 1, 2, 3 or 5 years, a fixed rate loan from Heritage is their best bet. Our fixed rate loans are packed with features like unlimited additional repayments and redraws plus more.

Fixed Rate from

2.19 % PA
4.23 % PA
Comparison Rate *
Rates effective from 09/04/2021
  • Rate for new lending up to 90% LVR#
  • Construction loan available
  • Refix at end of fixed term at no cost
  • Valuation fee up to maximum of $330
  • Limits from $20,000
  • Option to make additional or lump sum repayments
  • Interest-only option for investment loans up to 5 years
  • Reverts to Standard Variable rate when fixed term expires
  • Family Guarantee available

All Heritage Products have these great features

  • Interest is calculated daily
  • Direct Salary credit to loan
  • Available for Australian or New Zealand citizens who are living in a country other than Australia (Non-residents)
  • Transaction accounts with $0 monthly account keeping fee and no fees on our network of over 10,000 ATMs across Australia^
  • LMI is applicable when LVR is more than 80%
  • LMI can be capitalised - max 95% LVR for Owner Occupied loans and max 90% LVR for Investment loans
  • Internet and phone banking are available
  • Can switch between all products except into Living Equity and Bridging Loans
  • Repayment method – minimum monthly repayment can be paid at any time during the month
  • Additional repayments can be made, with no maximum repayment amounts
  • Progressive Valuation Fees apply (excludes Living Equity and Bridging Loan) – ask your BDM