Buying your next home

Moving house, upgrading or buying your next home is a big step so it’s important that your home loan features are right for you.  Many people utilise the equity in their current property to fund the deposit for their next home. When you purchase your next home through Heritage, you'll get access to a range of features including: 
  • Flexible repayment options, including unlimited extra repayments on fixed loans
  • Redraw and 100% offset account options
  • Online redraw facilities available

Apply before 30 June 2020 and pay no application fee.

Save up to $600!1
Find out how we can help you

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By paying $loanFrequency_lyname instead of monthly, you could save $heritageRepayments_totalSaved & $heritageRepayments_yearsSaved over the life of your loan.

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Indicative repayment amount only. Your credit contract will state a monthly repayment figure. You may make payments as frequently as you choose within each month to pay the monthly amount due.

Mobile Lenders could be available in your area

A Mobile Lender can meet you at home or work to help calculate how much you can borrow and walk you through the process.
Speed up and simplify your home loan application with this checklist, which covers identification, income, living expenses and other requirements you will need.

Customer-Owned Banking you can bank on.

Established in 1875, and with more than $10 billion in assets, Heritage is Australia's largest Customer Owned Bank.

#1 in Customer Satisfaction for Brand Authenticity among Retail Banks

by J.D. Power Australian Bank Brand Authenticity Study 2020
Mozo People's Choice Award Outstanding Customer Service & Most Recommended

If you’re looking to purchase vacant land or build a new home rather than purchase an established property, we have options that may be suitable.

Construction Loans are different from a regular home loan because the funds are paid gradually to your builder as progress payments. While your property is getting built, your repayments are set as interest only to help you manage your budget.

Simply let us know of your plans to build when you apply for a home loan and we'll help you through the process.

Whether you're upgrading to your dream home or moving to a new town, our Bridging Loan can help you by bridging the finance gap for up to 6 months, while you sell your current home. Let us know your plans during the home loan application process.

Selling your current property to buy a new home can be a very exciting and busy time. That's why it's important to consider all the costs of buying and selling your property, such as mortgage discharge costs and conveyancing fees. Help calculate the costs with our home buying and selling costs calculator. 
It can be disheartening to find out a loan for your first home is not approved. Visit our First Home Buyer Hub for more information on what to do if this happens. It covers considerations such as having a family member act as guarantor for you via our family guarantee option, and outlines how we can help you manage your budget to keep your home buying journey moving forward.
A mum and her daughters playing in a home-made cubby house
Building equity in your property
Having equity in your home means the value of your property is more than how much you owe on it. Check out our tips on building your equity and how you might consider using it.