$2,000 cashback? Bank you very much!

Bundle your banking with Heritage and get rewarded. To qualify, apply for an eligible home loan of $500,000 or more before 30 September 2022, and switch your salary to a Heritage transaction account. Learn more about the cashback offer below.

Here's how it works...

Here's how it works...



Apply for an eligible home loan of $500,000 or more between 20 July and 30 September and settle by 31 December 2022.


Switch your salary

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.


Get $2,000 cashback

If you've qualified, we'll deposit $2,000 cashback to your Heritage transaction account. Don't forget to set up internet banking, Mobile Banking App and your digital wallet.

Our home loans

Ready to get started?

Our specialists are here to support you through every step of your home buying journey. Whether you have a quick question or you're ready to apply, we're here to help.

Get in touch with us in the way that suits you - online, by phone or face-to-face. Tap here to get started.

Cashback FAQs

How do I qualify for the Cashback?

To qualify for the Cashback, you'll need to:

  1. Apply for an eligible home loan between 20 July 2022 and 30 September 2022 and settle on or before 31 December 2022; and
  2. Open or hold either a Simply Access or a Mortgage Crusher transaction account. This can be either by yourself, or jointly with another person; and
  3. Have your salary credited by your employer at least twice to this transaction account within 60 days of your home loan settling.

Joint application?

If you take out an eligible home loan jointly with other borrowers, you can hold your transaction account with salary credits either by yourself or jointly.

What is an eligible home loan? 

An eligible home loan is one of the following Heritage home loans:

Your total lending must be a minimum of $500,000, but this can be across multiple loan accounts and/or related memberships.

What are the exclusions?

The offer excludes: 

  • Internal refinances, switches and re-fixes of existing Heritage home loans; and
  • Home loans that are paid out or closed before the cashback payment; and
  • Bridging Loans, Construction Loans and Business Loans. 

There is also a limit of one cashback per member. For example, if you receive the cashback under an individual loan and then apply for a joint loan, the joint loan will not be eligible to receive the cashback.

How do I open a Heritage transaction account?

We can help you open a new transaction account during your home loan application process, or you can choose to open a Simply Access transaction account online now. Learn more about our transaction accounts.

How do I get my employer to pay my salary into my new account?

When you open your account you'll be provided with your new member number (account number) and BSB.

Simply let your employer know these new details and they'll make the switch for you. You can also use our switch your salary flyer to pass on your details.

Don't forget to register for Heritage Online, download our Mobile Banking App and set up your digital wallet to access your money anywhere on the go.

How and when will the Cashback payments be paid?

  • Heritage will pay the Cashback into a Simply Access or Mortgage Crusher Account.
  • The Cashback payment will be made as one (1) total payment, within 60 days of all qualifying criteria being met.
  • Payments will not be made to another financial institution or other Heritage Bank accounts.

 What are the terms & conditions for the cashback offer?

Looking for the legal stuff? View our full terms and conditions online here.
Research tools
Home Loan repayment calculator
Borrowing power calculator
Home Loan refinancing calculator
The home loan application process
Buying your first home guide
Investing in property
Interest rates for new home loans (PDF)
Interest rates for loan switches, refixes and products withdrawn from sale (PDF)
Get a personalised Key Fact Sheet

What makes our home loans better?


Flexible repayment options

Unlimited additional repayments and online redraw available


Package your loan

Package your eligible Standard Fixed or Standard Variable home loan with a credit card in our Home Advantage Package to save


People first service

People first service and commitment to our customer-owned values

Why Heritage?

Heritage is one of Australia's largest customer-owned banks. This means we're owned by our customers (like you!), not shareholders. So, instead of pursuing massive profits, our focus is on putting People First. We know that helping our customers reach their financial dreams is not just about great products and competitive rates, it's about their entire banking experience. When you choose Heritage you'll be supported with award-winning customer service from our branches in Queensland and NSW. Plus, our Contact Centre has a team available 24/7 for all your banking needs.

People first. Always.

We've been committed to Australian communities for over 145 years. In a world where so much has changed, our mission to put people before profits, never has.

Mozo People's Choice Awards 2022