What is LVR?
Learn more about Loan to Value Ratio (LVR), how it’s calculated and what effect it can have on your mortgage.
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Home loans
Find the Heritage loan that’s right for you. Choose from one of our fixed or variable rate loans, all with competitive rates.
Featured loans
Pay no application fee and save up to $600 on your home loan
Hurry, offer ends 31 October 2019.
Home Advantage Package 3 year fixed rate
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This rate is for new, 3 year fixed, owner occupied principal & interest loans.
Home Advantage Package Standard Variable rate
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This rate is for new owner occupied, principal & interest loans over $700,000 with LVR ≤ 80%.
Discount Variable Home Loan Rates from
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Our cheapest, simplest variable rate loan, is still packed with features.
Home Loan Calculator
Our home loan repayments calculator helps you estimate the true cost of your mortgage, including stamp duty, rates, insurance, maintenance, and more.
Other loans
Fixed Rate Home Loans
Our fixed rate home loans allow you to lock an interest rate in for 1, 2, 3 or 5 years so you know exactly what your repayments will be.
Variable Interest Rate
If you are looking for a variable rate home loan, we have multiple options for you.
Line of Credit
If you'd like a line of credit, you could consider using the equity you hold in your home as an asset.
Bridging Loan
A bridging loan is a short-term loan which bridges the finance gap between selling your current home and buying a new one.
Why Choose a Package?
Package your standard variable, fixed rate or living equity loan together with a credit card, and save with discounts on interest rates and fee waivers.
Find the loan that fits you
We understand that everyone's needs are different, so we take a personalised approach to fitting a home loan to suit you. See which home loan could be a good fit for you with our loan chooser tool!
Reverse Mortgage Loans
If you’re over 60 you could use the equity in your home to enjoy the things you want to do. Find out how we can help turn your home into a cash asset.
These articles may help you
What is a cooling-off period?
A standard contract for buying a home in Queensland comes with a five day cooling-off period. Here's what it means.
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How much money can I borrow?
How much money you can borrow will depend on a number of things. Here's four to consider.
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How to finance a renovation
Here's a list of options for you to consider when it comes to financing a renovation.
Learn more
We are here to help
Our specialists will help you find the right product and support you through every step of the purchase.
Or call 13 14 22 to speak to an expert