Refinance a Home Loan to Heritage | Home Loans | Heritage Bank

Refinance a Home Loan to Heritage

Refinancing a home loan is easier than you think and gives you the opportunity to check that your interest rate and home loan features are the best fit for you. When you refinance to Heritage, you'll get access to a range of home loan features including: 

  • Flexible repayment options, including unlimited extra repayments and online redraw
  • Online redraw 
  • People first service and commitment to our customer-owned values

Up to $4,000 cashbackon eligible home loans


For loans refinanced to Heritage with ≤80% LVR OR new loans with LMI.

For owner occupied and investment home loans.

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.
Find out how we can help you

Try our home loan calculator below to see which of our home loan products might suit you. We have a variety of variable and fixed Loans available for both owner occupied and investment purposes.

I want to borrow


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By paying $loanFrequency_lyname instead of monthly, you could save $heritageRepayments_totalSaved & $heritageRepayments_yearsSaved over the life of your loan.

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Comparison rate

Indicative repayment amount only. Your credit contract will state a monthly repayment figure. You may make payments as frequently as you choose within each month to pay the monthly amount due.

The home loan refinance process 

The home loan refinance process starts with your first appointment with a Heritage Bank Lending Specialist. You can choose to have your appointment with us face to face, over the phone or by a video call. We’ll chat about our home loan products and discuss your financial situation so that you can decide whether refinancing is right for you.
If you’re ready to apply, your Lending Specialist will step you through the submission of your application, loan assessment and contract signing, then settlement. Learn more about the home loan application process or get in touch with us today.
Why Heritage?

Customer Owned Banking you can bank on.

Established in 1875, and with more than $11 billion in assets, Heritage is one of Australia's largest Customer Owned Banks.

Customer Owned Money Minder of the Year 2021.

The results are in! We are Money Magazine's Customer-Owned Money Minder of the Year 2021.

Other ways we can help you

How much money will refinancing save you?

Refinancing your home loan can be a great opportunity to save some money and pay off your loan sooner. Use our refinancing calculator to find out how much you could save by refinancing your home loan to Heritage. 

Compare all Heritage Home Loans

If you'd like to compare the features and benefits of all the home loans we have on offer, visit compare all home loans.

Help with switching to Heritage

If you'd like to switch your banking to Heritage, we're here to help you through the process and beyond. Our Switch to Heritage guide can help you open your account, switch your regular payments and and explains how you can access your accounts, in your way. We're available 24/7 on 13 14 22 if you have any questions along the way.