Refinance a Home Loan to Heritage

Refinancing a home loan is easier than you think and gives you the opportunity to check that your interest rate and home loan features are the best fit for you. When you refinance to Heritage, you'll get access to a range of home loan features including: 

  • Flexible repayment options, including unlimited extra repayments on fixed and variable loans
  • Redraw and 100% offset account options
  • People first service and commitment to our customer-owned values

Apply before 30 September 2020 and pay no application fee.

Save up to $600!
I want to borrow


  • Calculate


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

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Comparison rate

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.

Home loan application checklist

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
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.