Heritage
Standard Fixed Rate Home Loans - Owner Occupied
Our fixed rate home loans allow you to lock an interest rate in for 1, 2, 3 or 5 years so you know exactly what your repayments will be.
Home loansBank updated 23 Sept 2026
At a glance
- Fixed
- 1 yr 6.49% · 2 yrs 6.54% · 3 yrs 6.54% · 5 yrs 6.54%
- Max LVR
- 95%
- Annual fee
- $96
- Features
- redraw, extra repayments
§ 01 — Rates · 4
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedStandard 1 Year Fixed; LVR<=95%. | Owner occupied · P&I | 1 yr fixed | ≤95% LVR · $20,000+ | 6.49% | 8.57% | — |
| FixedStandard 2 Year Fixed; LVR<=95%. | Owner occupied · P&I | 2 yrs fixed | ≤95% LVR · $20,000+ | 6.54% | 8.35% | — |
| FixedStandard 3 Year Fixed; LVR<=95%. | Owner occupied · P&I | 3 yrs fixed | ≤95% LVR · $20,000+ | 6.54% | 8.15% | — |
| FixedStandard 5 Year Fixed; LVR<=95%. | Owner occupied · P&I | 5 yrs fixed | ≤95% LVR · $20,000+ | 6.54% | 7.82% | — |
§ 02 — Fees · 35
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Capital reduction recalculation fee | Event | $75 | — | — |
| Change of term fee | Event | $75 | — | — |
| Collateral Security Preparation fee | Event | $100 | — | Payable when taking security over a new Collateral Security Property (any security other than the first new security), on application. |
| Consent Fee | Event | $200 | — | — |
| Direct Debit dishonour fee | Event | $10 | — | — |
| Document/Record Search fee | Event | $12 | — | — |
| Enforcement Fee | Event | $20 | — | — |
| Guarantor fee | Event | $200 | — | Payable for having a guarantee listed as security on your loan. |
| Partial release processing fee | Event | $220 | — | — |
| Production Fee | Event | $100 | — | — |
| Redraw Administration Fee | Event | $20 | — | — |
| Renegotiation fee | Event | $250 | — | — |
| Special Request Transaction Listing Fee | Event | $7.50 | — | — |
| Substitute Security Fee | Event | $450 | — | — |
| Telegraphic Transfer fee (PEXA settlements) | Event | $35 | — | Payable to ANZ Banking Group or Westpac Banking Corporation on settlement if any of the amount of credit is telegraphically transferred |
| Telegraphic transfer fee | Event | $30 | — | Payable if money lent to you is telegraphically transferred within Australia. |
| Trust/Company Document Examination fee | Event | $250 | — | Payable on application for trust/company structures |
| Default Fee | Exit | $30 | — | every month until not in default |
| Loan Finalisation Fee | Exit | $345 | — | — |
| Agent's fees | Other | $0 to $0 | — | Agent's fee payable to any agent used by Heritage or its solicitor to attend settlement or stamp, lodge or register a document on settlement of Loan. |
| Approval request fee | Other | $0 to $0 | — | Payable if you ask for our approval under the credit contract or a security in relation to a transaction or proposal. |
| Bank cheques cost payable to any Bank issuing a bank cheque for settlement on settlement of Loan. | Other | $0 to $0 | — | The amount charged by the bank to Heritage, its Agent or your Solicitor (currently estimated at approximately $12.00 per cheque). |
| Break fee | Other | $0 to $0 | — | Calculating the interest amount that Heritage would have received over the remaining fixed rate period of your Loan less the interest amount Heritage will receive on a comparable loan for the remaini… |
| Council mortgage notification fee | Other | $0 to $0 | — | The amount charged by the local government |
| Mortgage Dealing Fee | Other | $0 to $0 | — | Amounts charged to Heritage per Mortgage Dealing |
| Paper Based Statement Fee | Other | $3 | — | Fee is charged for each paper statement issued as per your account statement cycle. Excludes eStatements which are free of charge. |
| Partial release assessment fee | Other | $0 to $0 | — | Payable if you or a security provider ask us to release a security without paying out your home loan. |
| QBE - lenders mortgage insurance | Other | $0 to $0 | — | amount charged to Heritage |
| Rate Guarantee fee | Other | $0 to $0 | — | The fee is calculated at 0.15% of the basic loan amount, Where the 0.15% fee does not calculate to a whole dollar value, e.g. $157,400 x 0.15% = $236.10, the system will process the fee at a rounded… |
| Title Registration Fee | Other | $0 to $0 | — | Amounts charged to Heritage per Title Registration |
| Title search - payable to Agent/Solicitor | Other | $0 to $0 | — | The amount charged to Heritage by the Agent or Solicitor |
| Title Search | Other | $0 to $0 | — | The amount charged to Heritage per search per title |
| Valuer's fee may become payable to Valuation Exchange Pty Ltd if Heritage obtains a valuation for a property subject to a Security in connection with a proposed transaction (such as an application for a further advance or an application to substitute securities). | Other | $0 to $0 | — | The amount charged to Heritage |
| Monthly Administration Fee | Periodic | $8 | Every 1 mo | Waived under package |
| Cheque Fee | Upfront | $10 | — | — |
§ 03 — Features
RedrawExtra repaymentsGuarantor option
- · Lock in a competitive rate for a fixed term and get certainty of repayments
- · Fixed rate terms of 1, 2, 3 or 5 years, with loan terms from 1 to 30 years
- · Split Loan Available
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: A citizen or permanent resident of Australia or New Zealand
- · Amount $20,000 to no maximum
- · Lending criteria apply
§ 05 — Compare
§ 06 — Run the numbers
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Published by People First and Heritage Bank under the Consumer Data Right, last changed by them on 23 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.