Unlimited additional repayments and online redraw available
Package your eligible Standard Fixed or Standard Variable home loan with a credit card in our Home Advantage Package to save
People first service and commitment to our customer-owned values
Many people utilise the equity in their current property to fund the deposit for their next home. Try our home loan calculator below to see which of our home loan products could help you buy your next home using your equity. Then get in touch with our Lending Specialists who will help you calculate how much you can borrow and arrange a valuation of your existing property.
About the home loan application process
Apply for an eligible home loan of $500,000 or more between 20 July and 30 September and settle by 31 December 2022.
Open a Heritage transaction account and switch your salary. Your employer will need to deposit at least two pays within 60 days of your loan settling.
If you've qualified, we'll deposit $2,000 cashback to your Heritage transaction account. Learn more about this cashback offer.
Buying land and build loans
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 I buy before I sell?
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.
Calculate your moving costs
Home loan application checklist