Heartland Bank Home Loan Rates

Active products

Variable product example

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Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.

Fixed product example

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Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.

Example comparison rate

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Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.

Last updated

26 October 2026

Heartland Bank is one of the Australian home-loan lenders we track daily. We currently surface 4 active products from Heartland Bank, refreshed from authoritative lender sources. The product table below sorts by comparison rate by default, the true-cost metric mandated by the National Consumer Credit Protection Act 2009, so you can see total cost, including standard fees, at a glance.

What are Heartland Bank home loan rates?

Ratesniffers compares Heartland Bank home loan products by comparison rate. Compare Heartland Bank's product rates and conditions in the table. A verified example for this loan scenario is unavailable. Compare Heartland Bank against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.

How many home loan products does Heartland Bank offer?

Ratesniffers currently tracks 4 Heartland Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.

4 Heartland Bank home loan products

No active products surfaced. This lender may have paused new lending or recently been removed from our index, check back tomorrow.

Who is Heartland Bank?

Heartland is Australia's reverse-mortgage market leader, holding around 40% of the market, and its book has kept growing as more retirees unlock home equity for income, care or renovations. Its Australian operations centre on this seniors-lending specialty.

A reverse mortgage pays you from your home's equity with no required repayments, the loan repays when the home sells. Interest compounds, so the cost grows over time, and Australian consumer law guarantees you can never owe more than the sale value of the home.

Who suits a Heartland Bank home loan?

Heartland tends to suit homeowners aged 60 plus who want to stay in their home while drawing on its equity. Because compounding interest erodes equity over the years, get independent advice, involve family early, and compare Heartland's rate and fees against the alternatives before committing.

Background facts checked 12 September 2026. Rates above refresh independently.

Heartland Bank fees, offset and limits at a glance

Discharge fee: $495
Settlement fee: $595
Additional valuation fee: $350
Loan portability: $495

Checked 8 Oct 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.

Heartland Bank home loans: frequently asked questions

What are Heartland Bank home loan rates?

Ratesniffers compares Heartland Bank home loan products by comparison rate. Compare Heartland Bank's product rates and conditions in the table. A verified example for this loan scenario is unavailable. Compare Heartland Bank at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments, use /calculators/extra-repayment.

How much do you need to earn for a $500,000 Heartland Bank home loan?

There is no single salary requirement for a Heartland Bank home loan. The lender assesses income, expenses, debts and repayment capacity. APRA's residential mortgage framework generally requires governed authorised deposit-taking institutions to apply a minimum 3 percentage point buffer above the payable interest rate, ignoring temporary introductory discounts, with prudent limited policy exceptions. This does not establish Heartland Bank's actual assessment rate or approval criteria. Confirm the applicable lender policy and use /calculators/income-required for an illustrative estimate, not approval.

How does Heartland Bank's home loan rate compare to the market?

Compare Heartland Bank's product conditions and comparison rates with /home-loans. The available table does not establish a whole-market ranking or a personalised offer.

How many home loan products does Heartland Bank offer?

Is Heartland Bank competitive for refinancing?

Compare Heartland Bank's available product conditions and total costs with your existing loan. A listed rate does not establish refinance eligibility. Allow for discharge, establishment and any fixed-loan early repayment costs, and confirm applicable lender terms before switching. Compare the table with /home-loans/refinance.

How often are Heartland Bank's home loan rates updated?

Ratesniffers last verified Heartland Bank's home loan rates on 26 October 2026. Rates can change whenever Heartland Bank reprices or the RBA moves the cash rate, so always confirm the current rate with the lender before acting.