Heritage Bank Fixed 2 Year

Heritage Bank
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Headline interest rate p.a.
Comparison rate p.a.
Annual fee

Moneybuddy says

The Heritage Bank 2-year Fixed Home Loan has a standard fixed rate, which is great for when you want certainty in your home repayment during the fixed term.

The Basics

Max LVR 90.00%

Interest type Fixed rate

Headline interest rate p.a. 4.75%

Comparison rate p.a. 5.62%

Annual fee $60

The cool stuff: features

Draw down loan progressively -

Insurance details -

Loan is Transferable -

Line of credit available No

Product suits Owner - Occupier

The Facts & Figures

Introductory rate p.a. 4.75%

Introductory term 2 years

Interest rate (p.a.) 1 year 4.75%

Interest rate (p.a.) 2 years 4.75%

Interest rate (p.a.) 3 years 5.64%

Interest rate (p.a.) 4 years 5.64%

Interest rate (p.a.) 5 years 5.64%

Interest rate (p.a.) 7 years 5.64%

Interest rate (p.a.) 10 years 5.64%

Interest rate (p.a.) 15 years 5.64%

Comparison rate (p.a.) 1 year 5.88%

Comparison rate (p.a.) 2 years 6.59%

Comparison rate (p.a.) 3 years 6.59%

Comparison rate (p.a.) 4 years 6.59%

Comparison rate (p.a.) 5 years 6.59%

Comparison rate (p.a.) 7 years 6.59%

Comparison rate (p.a.) 10 years 6.59%

Comparison rate (p.a.) 15 years 6.59%

Minimum loan term -

Maximum loan term -

Min loan amount -

Max loan amount -

Early repayments Yes

Redraw facility Yes

Repayment holiday No

Ability to split loan Yes

Extra repayments Yes

Offset account available No

Interest only payments Yes

The ugly stuff: fees

Application fee $600

Valuation fee -

Subsequent valuation fee -

Valuation fee details -

Discharge fee -

Discharge fee details -

Legal fee -

Settlement fee -

Redraw fee -

Comparison Rate Disclaimer -

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Warning: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Heritage Bank says

We can offer you certainty of knowing there will be no change to your home loan interest rate during the fixed term.

Key features

  • Fixed home loan rate for 2 years
  • $600 application fee
  • $60 annual fee
  • Interest only period for up to five years for investment loans
  • Extra repayment loans permitted
  • Minimum deposit of 10%
  • Partial offset accounts available


  • Redraw facility allows you to redraw funds from the loan account to be used for other financial purposes
  • No penalty on added repayments
  • Ability to split loan payments into more than one type of loan to benefit from each
  • Loan can be moved from an account to another


  • $600 annual fee
  • Only a partial offset account
  • No construction loan
Interested in this home loan?

We can pass your details on directly to a home loan expert from the bank, who will contact you within 24 hours to discuss your situation.


Approx Loan Amount


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We've partnered with Tomorrow Finance for home loan data, advice and details. You will be contacted within 24 hours by a home loan expert from the bank to discuss your situation. There is no obligation to complete the home loan. You are simply making an enquiry.

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