Try our home loan calculator below to see what your repayments and interest rate could look like with Heritage Bank. Once you've used the calculator, get in touch with our local Lending Specialists who can help you through your home loan application, including applying for the First Home Owner Grant in your state.
About the home loan application process
Our First Home Buyer Help Hub
What if I want to buy land or build?
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.
What if my application gets knocked back?
Can I seek pre-approval on my loan?