Heritage home loan rates
Ranked by advertised rate, Heritage's lowest advertised rate we track is 6.24% advertised (6.25% comparison) on the Discount Variable Home Loan - 8th of 31 lenders we track. Rates as at 28 Oct 2026. Sourced from the lenders' own published figures, read daily from public, standardised open data feeds under the Consumer Data Right. See our methodology.
Its lowest variable home loan rate we track is 6.24% advertised (6.25% comparison) on the Discount Variable Home Loan; its lowest fixed home loan rate we track is 6.49% advertised (8.78% comparison) on the Standard Fixed Rate Home Loan. Rates as at 28 Oct 2026.
We track 5 Heritage owner-occupier products; every figure is read daily from public, standardised open data feeds under the Consumer Data Right. Rates as at 28 Oct 2026. See our methodology.
Heritage Bank and People First Bank are both trading names of Heritage and People's Choice Ltd. The rates on this page are its Heritage-branded products, as published in its open data feed. Heritage-branded home loans may be offered through broker networks and are not offered in-branch or on its website; new and existing customers who apply for a home loan may be offered People First Bank products.
At the lowest advertised rate we track - 6.24% on the Discount Variable Home Loan - the monthly principal-and-interest repayment on a $600,000 loan over 30 years is about $3,690 a month (an arithmetic example, not a quote or an offer). Rates as at 28 Oct 2026.
Heritage since the 29 Sept 2026 RBA decision
The RBA's cash rate target moved from 4.35% to 4.60% (+25 bp) after its decision announced 29 Sept 2026.
Heritage has changed 1 variable rate in its published data since:
- Discount Variable Home Loan - variable, no-offset5.99% → 6.24%(+25 bp)matches the cash rate move
Lenders can announce a change before it takes effect; the tracker shows it once it appears in their published data. The tracker compares the owner-occupier, principal-and-interest variable rates we track, so a change to a loan we don't track won't show here. Dates are the day a new rate first appeared in the lender's feed, which can be after the day the lender changed it. Every lender's status →
Heritage products (5)
| Product | Type | Advertised | Comparison | Max LVR | Lender link |
|---|---|---|---|---|---|
Discount Variable Home LoanHeritage | Variable | 6.24% | 6.25% | 70% | link |
Standard Fixed Rate Home LoanHeritage | Fixed 1yr | 6.49% | 8.78% | 95% | link |
Standard Fixed Rate Home LoanHeritage | Fixed 5yr | 6.54% | 7.95% | 95% | link |
Standard Fixed Rate Home LoanHeritage | Fixed 3yr | 6.54% | 8.32% | 95% | link |
Standard Fixed Rate Home LoanHeritage | Fixed 2yr | 6.54% | 8.54% | 95% | link |
Heritage recent rate changes
1 of Heritage's tracked products changed their advertised rate in the last 30 days. Every change across the board is on the rate changes page.
- Discount Variable Home Loan - variable, no-offset5.99% → 6.24%(+25 bp)previous value last seen 12 Oct 2026
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