Heritage BankDiscount Variable Home Loan $20k+ <70% LVR Owner Occupied (Existing customers only)
VariableRedraw
Interest
5.99%p.a.
Comparison*
Not available
Est. repayment
$2,995
LVR ≤70%
Heritage Bank · Variable · Updated September 2026
Heritage Bank Variable Home Loans, September 2026
Heritage Bank lists 23 variable home loans in the Ratesniffers index today. The lowest is 5.99% p.a., on Discount Variable Home Loan $20k+ <70% LVR 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 variable home loan rates, September 2026
Heritage BankDiscount Variable Home Loan $700k+ <70% LVR Owner Occupied (Existing customers only)
VariableRedraw
Interest
5.99%p.a.
Comparison*
Not available
Est. repayment
$2,995
LVR ≤70%
Heritage BankDiscount Variable Home Loan $20k+ 70% - 80% LVR Owner Occupied (Existing customers only)
VariableRedraw
Interest
6.09%p.a.
Comparison*
Not available
Est. repayment
$3,027
LVR 70–80%
Heritage BankDiscount Variable Home Loan $700k+ 70% - 80% LVR Owner Occupied (Existing customers only)
VariableRedraw
Interest
6.09%p.a.
Comparison*
Not available
Est. repayment
$3,027
LVR 70–80%
Heritage BankDiscount Variable Home Loan Investment $20k+ <70% LVR P&I (Existing customers only)
VariableRedraw
Interest
6.14%p.a.
Comparison*
Not available
Est. repayment
$3,043
LVR ≤70%
Heritage BankDiscount Variable Home Loan Investment $700k+ <70% LVR P&I (Existing customers only)
VariableRedraw
Interest
6.14%p.a.
Comparison*
Not available
Est. repayment
$3,043
LVR ≤70%
Heritage BankDiscount Variable Home Loan Investment $20k+ 70% - 80% LVR P&I (Existing customers only)
VariableRedraw
Interest
6.24%p.a.
Comparison*
Not available
Est. repayment
$3,075
LVR 70–80%
Heritage BankDiscount Variable Home Loan Investment $700k+ 70% - 80% LVR P&I (Existing customers only)
VariableRedraw
Interest
6.24%p.a.
Comparison*
Not available
Est. repayment
$3,075
LVR 70–80%
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 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 $20k+ 80% - 90% LVR Owner Occupied (Existing customers only)
VariableRedraw
Interest
6.49%p.a.
Comparison*
Not available
Est. repayment
$3,157
LVR 80–90%
Heritage BankDiscount Variable Home Loan $700k+ 80% - 90% LVR Owner Occupied (Existing customers only)
VariableRedraw
Interest
6.49%p.a.
Comparison*
Not available
Est. repayment
$3,157
LVR 80–90%
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%
Heritage BankDiscount Variable Home Loan Investment $20k+ 80% - 90% LVR P&I (Existing customers only)
VariableRedraw
Interest
6.64%p.a.
Comparison*
Not available
Est. repayment
$3,207
LVR 80–90%
Heritage BankDiscount Variable Home Loan Investment $700k+ 80% - 90% LVR P&I (Existing customers only)
VariableRedraw
Interest
6.64%p.a.
Comparison*
Not available
Est. repayment
$3,207
LVR 80–90%
Heritage BankDiscount Variable Home Loan $20k+ 90% - 95% LVR Owner Occupied (Existing customers only)
VariableRedraw
Interest
6.79%p.a.
Comparison*
Not available
Est. repayment
$3,256
LVR 90–95%
Heritage BankDiscount Variable Home Loan $700k+ 90% - 95% LVR Owner Occupied (Existing customers only)
VariableRedraw
Interest
6.79%p.a.
Comparison*
Not available
Est. repayment
$3,256
LVR 90–95%
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
8.19%p.a.
Comparison*
Not available
Est. repayment
$3,735
LVR ≤95%
Interest
8.74%p.a.
Comparison*
Not available
Est. repayment
$3,930
LVR ≤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 · Variable
Heritage Bank variable home loans, what to weigh
Variable rates move with the lender's pricing decisions and the cash rate cycle. Less certainty, more flexibility, unlimited extra repayments, full offset. 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 variable option has the same price.
See also Heritage Bank's full product range, repayment calculator, and refinance savings calculator.