Heritage Bank lifted its existing-customer variable home-loan rates by 0.25 percentage points from 13 October 2026, Ratesniffers records. Every lender's date is in the RBA rate pass-through tracker.
Active products
36
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
20 October 2026
Heritage Bank is one of the Australian home-loan lenders we track daily. We currently surface 36 active products from Heritage 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 Heritage Bank home loan rates?
Ratesniffers compares Heritage Bank home loan products by comparison rate. Compare Heritage Bank's product rates and conditions in the table. A verified example for this loan scenario is unavailable. Compare Heritage 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 Heritage Bank offer?
Ratesniffers currently tracks 36 Heritage 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.
36 Heritage 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.
Heritage Bank fees, offset and limits at a glance
Application or establishment fee
Standard Variable & Fixed Rate loans, $0 (which includes the 1st Security valuation if required to the amount…
Discharge fee
$345
Settlement fee
$0
Additional valuation fee
$282.46
Rate lock fee
0.15% of the basic loan amount (excluding funded application fee and LMI premium) Payable up-front prior to…
Loan portability
Substitute Security Fee $450
Minimum offset balance
$1
Lenders mortgage insurer
QBE LMI
Capitalising LMI
Available
Maximum total lending
Subject to serviceability
Extra repayments on fixed
Unlimited, no penalties
When the fixed rate is locked
Rate Guarantee form can be submitted up until Unconditional Approval.…
Checked 8 Oct 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
Heritage Bank home loans: frequently asked questions
What are Heritage Bank home loan rates?
Ratesniffers compares Heritage Bank home loan products by comparison rate. Compare Heritage Bank's product rates and conditions in the table. A verified example for this loan scenario is unavailable. Compare Heritage 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 Heritage Bank home loan?
There is no single salary requirement for a Heritage 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 Heritage 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 Heritage Bank's home loan rate compare to the market?
Compare Heritage 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 Heritage Bank offer?
Ratesniffers currently tracks 36 Heritage Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is checked daily against each lender's current published pricing and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is Heritage Bank competitive for refinancing?
Compare Heritage 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 Heritage Bank's home loan rates updated?
Ratesniffers refreshes Heritage Bank's home loan rates daily; this page was last updated 20 October 2026. Rates can change whenever Heritage Bank reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.
