Fixed Rate Home Loans

Our Standard Fixed Rate Home Loan allows you to lock an interest rate in for 1, 2, 3 or 5 years so you know exactly what your mortgage repayments will be.

Features

What makes our home loans better?


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Flexible repayment options

Unlimited additional repayments and online redraw available

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Package your loan

Package your eligible Standard Fixed or Standard Variable home loan with a credit card in our Home Advantage Package to save

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People first service

People first service and commitment to our customer-owned values



Our fixed loans - what's the difference?

Find the loan that suits your needs

Interest rates shown for new Owner Occupied Principal and Interest loans up to 95% Loan to Value Ratio (LVR).

1 Year Standard Fixed Rate
3.39 % PA 4.50 % PA
Owner Occupied Principal & Interest Rate
Comparison Rate*
2 Year Standard Fixed Rate
3.99 % PA 4.51 % PA
Owner Occupied Principal & Interest Rate
Comparison Rate*
3 Year Standard Fixed Rate
4.49 % PA 4.60 % PA
Owner Occupied Principal & Interest Rate
Comparison Rate*
5 Year Standard Fixed Rate
4.99 % PA 4.81 % PA
Owner Occupied Principal & Interest Rate
Comparison Rate*

Up to $4,000 cashbackon eligible home loans


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For loans refinanced to Heritage with ≤80% LVR OR new loans with LMI.
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For owner occupied and investment home loans.
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Paid into your Heritage transaction account.

ⓘ Apply by 31 May and settle by 31 July 2022. T&C's apply. Click for full T&C's and FAQ's.
Research tools
Home Loan repayment calculator
Borrowing power calculator
Home Loan refinancing calculator
The home loan application process
Buying your first home guide
Investing in property
Interest rates for new home loans (PDF)
Interest rates for loan switches, refixes and products withdrawn from sale (PDF)

Our specialists are here to support you through every step of your home buying journey.

If you have a question about our home loans, please tap here for live assistance.