Heritage Bank · Fixed · Updated September 2026

Heritage Bank Fixed Home Loan Rates, September 2026

Heritage Bank lists 12 fixed home loans in the Ratesniffers index today. The lowest is 6.24% p.a. (comparison rate 7.86% p.a.) on a 2-year fixed term, on 2 Year Fixed Owner Occupied (Existing customers only). Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.

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Heritage Bank fixed home loan rates, September 2026

Lowest Heritage Bank fixed rate by term: 1-year 6.29% p.a. (comparison 8.06%), 2-year 6.24% p.a. (comparison 7.86%), 3-year 6.29% p.a. (comparison 7.70%), 5-year 6.39% p.a. (comparison 7.46%).

Heritage Bank2 Year Fixed Investment IO (Existing customers only)

2y FixedRedraw

Interest

6.64%p.a.

Comparison*

Not available

Est. repayment

$3,207

LVR ≤90%

Enquire

Heritage Bank1 Year Fixed Investment IO (Existing customers only)

1y FixedRedraw

Interest

6.69%p.a.

Comparison*

Not available

Est. repayment

$3,223

LVR ≤90%

Enquire

Heritage Bank3 Year Fixed Investment IO (Existing customers only)

3y FixedRedraw

Interest

6.69%p.a.

Comparison*

Not available

Est. repayment

$3,223

LVR ≤90%

Enquire

Heritage Bank5 Year Fixed Investment IO (Existing customers only)

5y FixedRedraw

Interest

6.79%p.a.

Comparison*

Not available

Est. repayment

$3,256

LVR ≤90%

Enquire

Heritage Bank5 Year Fixed Owner Occupied (Existing customers only)

5y FixedRedraw

Interest

6.39%p.a.

Comparison*

7.46%p.a.

Est. repayment

$3,124

LVR ≤95%

Enquire

Heritage Bank3 Year Fixed Owner Occupied (Existing customers only)

3y FixedRedraw

Interest

6.29%p.a.

Comparison*

7.70%p.a.

Est. repayment

$3,092

LVR ≤95%

Enquire

Heritage Bank5 Year Fixed Investment P&I (Existing customers only)

5y FixedRedraw

Interest

6.59%p.a.

Comparison*

7.83%p.a.

Est. repayment

$3,190

LVR ≤90%

Enquire

Heritage Bank2 Year Fixed Owner Occupied (Existing customers only)

2y FixedRedraw

Interest

6.24%p.a.

Comparison*

7.86%p.a.

Est. repayment

$3,075

LVR ≤95%

Enquire

Heritage Bank1 Year Fixed Owner Occupied (Existing customers only)

1y FixedRedraw

Interest

6.29%p.a.

Comparison*

8.06%p.a.

Est. repayment

$3,092

LVR ≤95%

Enquire

Heritage Bank3 Year Fixed Investment P&I (Existing customers only)

3y FixedRedraw

Interest

6.49%p.a.

Comparison*

8.13%p.a.

Est. repayment

$3,157

LVR ≤90%

Enquire

Heritage Bank2 Year Fixed Investment P&I (Existing customers only)

2y FixedRedraw

Interest

6.44%p.a.

Comparison*

8.33%p.a.

Est. repayment

$3,141

LVR ≤90%

Enquire

Heritage Bank1 Year Fixed Investment P&I (Existing customers only)

1y FixedRedraw

Interest

6.49%p.a.

Comparison*

8.56%p.a.

Est. repayment

$3,157

LVR ≤90%

Enquire

*Important Information and Comparison Rate Warning

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.

The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.

Heritage Bank · Fixed

Heritage Bank fixed home loans, what to weigh

Fixed rates lock in certainty for the term but cap flexibility, extra repayments usually capped, break costs apply on exit. Compare break-cost mechanics alongside headline rate. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every fixed option has the same price.