Heritage Bank home loan interest rates

As a customer-owned bank, we have no shareholders asking for dividends, so we can afford to charge less for our home loans. That's why our rates are generally much lower than the big four. Check out our home loan rates below. 

All Heritage Products have these great features

  • Interest is calculated daily
  • Direct Salary credit to loan
  • Available for non-residents
  • Transaction accounts which have free transactions
  • LMI is applicable when LVR is more than 80%
  • LMI can be capitalised (Max 95% LVR)
  • 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.