Heritage BankDiscount Variable Home Loan Investment $20k+ <70% LVR IO (Existing customers only)
VariableRedraw
Interest
6.44%p.a.
Comparison*
Not available
Est. repayment
$3,141
LVR ≤70%
Heritage Bank · Interest only · Updated September 2026
Heritage Bank Interest only Home Loans, September 2026
Heritage Bank lists 11 interest-only home loans in the Ratesniffers index today. The lowest is 6.44% p.a., on Discount Variable Home Loan Investment $20k+ <70% LVR IO (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 interest-only home loan rates, September 2026
Heritage BankDiscount Variable Home Loan Investment $700k+ <70% LVR IO (Existing customers only)
VariableRedraw
Interest
6.44%p.a.
Comparison*
Not available
Est. repayment
$3,141
LVR ≤70%
Heritage BankDiscount Variable Home Loan Investment $20k+ 70% - 80% LVR IO (Existing customers only)
VariableRedraw
Interest
6.54%p.a.
Comparison*
Not available
Est. repayment
$3,174
LVR 70–80%
Heritage BankDiscount Variable Home Loan Investment $700k+ 70% - 80% LVR IO (Existing customers only)
VariableRedraw
Interest
6.54%p.a.
Comparison*
Not available
Est. repayment
$3,174
LVR 70–80%
Interest
6.64%p.a.
Comparison*
Not available
Est. repayment
$3,207
LVR ≤90%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR ≤90%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR ≤90%
Interest
6.79%p.a.
Comparison*
Not available
Est. repayment
$3,256
LVR ≤90%
Heritage BankDiscount Variable Home Loan Investment $20k+ 80% - 90% LVR IO (Existing customers only)
VariableRedraw
Interest
6.94%p.a.
Comparison*
Not available
Est. repayment
$3,306
LVR 80–90%
Heritage BankDiscount Variable Home Loan Investment $700k+ 80% - 90% LVR IO (Existing customers only)
VariableRedraw
Interest
6.94%p.a.
Comparison*
Not available
Est. repayment
$3,306
LVR 80–90%
Interest
8.74%p.a.
Comparison*
Not available
Est. repayment
$3,930
LVR ≤90%
*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 · Interest only
Heritage Bank interest only home loans, what to weigh
Interest-only loans don't amortise during the IO term, they only stack up when capital growth is doing the heavy lifting. Owner-occupier IO is APRA-restricted; most IO products on the panel are investor. 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 interest only option has the same price.
See also Heritage Bank's full product range, repayment calculator, and refinance savings calculator.