Heartland Bank is one of the Australian home-loan lenders we track daily. We currently surface 2 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?
Heartland Bank home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 8.99% p.a., last verified 30 Aug 2026. 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.
What is the lowest Heartland Bank home loan rate?
The lowest Heartland Bank variable home loan rate Ratesniffers tracks is 8.99% p.a. These figures come from the 2 Heartland Bank products on this page, ranked by comparison rate, last verified 30 Aug 2026.
How many home loan products does Heartland Bank offer?
Ratesniffers currently tracks 2 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.
2 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 4 Sept 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?
Heartland Bank home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 8.99% p.a., last verified 30 Aug 2026. Compare Heartland Bank against the wider market at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments on a Heartland Bank balance, use /calculators/extra-repayment.
What is the lowest Heartland Bank home loan rate?
Heartland Bank's lowest variable home loan rate is currently 8.99% p.a., based on the 2 Heartland Bank products Ratesniffers ranks by comparison rate, last verified 30 Aug 2026. The advertised rate isn't always the rate Heartland Bank approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 Heartland Bank home loan?
At Heartland Bank's lowest variable rate of 8.99% p.a., a $600,000 principal and interest loan over 30 years repays about $4,823 a month, and $500,000 about $4,020. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 Heartland Bank home loan?
There is no single salary. Like every Australian lender, Heartland Bank must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 8.99% p.a. is assessed at about 11.99% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
How does Heartland Bank's home loan rate compare to the market?
Heartland Bank's lowest variable home loan rate today is 8.99% p.a., which is 275 basis points above the market median of 6.24% p.a., so there are sharper variable rates available elsewhere today, and it's worth comparing or asking Heartland Bank to match a lower rate. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where Heartland Bank sits right now rather than a fixed snapshot.
How many home loan products does Heartland Bank offer?
Ratesniffers currently tracks 2 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 loans sit at the top.
Is Heartland Bank competitive for refinancing?
It depends on your loan size and LVR. Heartland Bank's lowest comparison rate is currently 9.02% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing Heartland Bank against the sharpest available rate usually pays off.
How often are Heartland Bank's home loan rates updated?
Ratesniffers last verified Heartland Bank's home loan rates on 30 Aug 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.
