RateMovesLenders › People First and Heritage Bank home loan rates
People First and Heritage Bank home loan rates
17 home loan products and 61 published rates, checked 2 Nov, 12:05 am AEDT. People First and Heritage Bank last updated its data 30 Oct 2026.
Lowest People First and Heritage Bank rates
| Loan type | Rate | Comparison* |
|---|---|---|
| Variable, owner-occupier, P&I Discount Variable - Owner Occupied (LVR up to 70%) | 6.24% | 6.25% |
| Variable, investor, P&I Discount Variable - Investment (LVR up to 70%) | 6.39% | 6.40% |
| Variable, investor, interest only Discount Variable - Investment (LVR up to 70%) | 6.69% | 6.69% |
| 1 year fixed, owner-occupier, P&I Standard Fixed Rate Home Loans - Owner Occupied (LVR up to 95%) | 6.49% | 8.78% |
| 2 year fixed, owner-occupier, P&I Standard Fixed Rate Home Loans - Owner Occupied (LVR up to 95%) | 6.54% | 8.54% |
| 3 year fixed, owner-occupier, P&I Standard Fixed Rate Home Loans - Owner Occupied (LVR up to 95%) | 6.54% | 8.32% |
| 4 year fixed, owner-occupier, P&I Fixed Home Loan (LVR 80–95%) | 6.94% | 6.57% |
| 5 year fixed, owner-occupier, P&I Standard Fixed Rate Home Loans - Owner Occupied (LVR up to 95%) | 6.54% | 7.95% |
How does People First and Heritage Bank compare? Rank every lender for your loan, or see if switching saves you money.
Rate changes
No rate changes recorded yet. Tracking started on 1 Nov 2026; every move lenders make from now on appears here within hours.
All People First and Heritage Bank home loans
Basic Variable Home Construction · 1 rate · from 8.43%Specialist loan
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Owner-occupier, principal & interest | LVR up to 95% from $20,000 | 8.43% | 8.43% |
Basic Variable Home Loan · 1 rate · from 8.43%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Owner-occupier, principal & interest | LVR up to 95% from $20,000 | 8.43% | 8.43% |
Basic Variable Investment Construction · 1 rate · from 9.08%Specialist loan
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Investor, principal & interest | LVR up to 90% from $20,000 | 9.08% | 9.08% |
Basic Variable Investment Construction - IO · 1 rate · from 9.49%Specialist loan
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Investor, interest only | LVR up to 80% from $20,000 | 9.49% | 9.28% |
Basic Variable Investment Loan · 1 rate · from 9.08%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Investor, principal & interest | LVR up to 90% from $20,000 | 9.08% | 9.08% |
Basic Variable Investment Loan - Interest Only · 1 rate · from 9.49%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Investor, interest only | LVR up to 80% from $20,000 | 9.49% | 9.28% |
Discount Variable - Investment · 14 rates · from 6.39%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Investor, interest only | LVR up to 70% from $20,000 | 6.69% | 6.69% |
| Variable | Investor, interest only | LVR up to 70% from $700,000 | 6.69% | 6.69% |
| Variable | Investor, interest only | LVR 70–80% from $20,000 | 6.79% | 6.79% |
| Variable | Investor, interest only | LVR 70–80% from $700,000 | 6.79% | 6.79% |
| Variable | Investor, interest only | LVR 80–90% from $20,000 | 7.19% | 7.19% |
| Variable | Investor, interest only | LVR 80–90% from $700,000 | 7.19% | 7.19% |
| Variable | Investor, interest only | LVR up to 95% from $20,000 | 8.99% | 8.99% |
| Variable | Investor, principal & interest | LVR up to 70% from $20,000 | 6.39% | 6.40% |
| Variable | Investor, principal & interest | LVR up to 70% from $700,000 | 6.39% | 6.40% |
| Variable | Investor, principal & interest | LVR 70–80% from $20,000 | 6.49% | 6.49% |
| Variable | Investor, principal & interest | LVR 70–80% from $700,000 | 6.49% | 6.49% |
| Variable | Investor, principal & interest | LVR 80–90% from $20,000 | 6.89% | 6.89% |
| Variable | Investor, principal & interest | LVR 80–90% from $700,000 | 6.89% | 6.89% |
| Variable | Investor, principal & interest | LVR up to 95% from $20,000 | 8.99% | 8.99% |
Discount Variable - Owner Occupied · 9 rates · from 6.24%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Owner-occupier, principal & interest | LVR up to 70% from $20,000 | 6.24% | 6.25% |
| Variable | Owner-occupier, principal & interest | LVR up to 70% from $700,000 | 6.24% | 6.25% |
| Variable | Owner-occupier, principal & interest | LVR 70–80% from $20,000 | 6.34% | 6.35% |
| Variable | Owner-occupier, principal & interest | LVR 70–80% from $700,000 | 6.34% | 6.35% |
| Variable | Owner-occupier, principal & interest | LVR 80–90% from $20,000 | 6.74% | 6.74% |
| Variable | Owner-occupier, principal & interest | LVR 80–90% from $700,000 | 6.74% | 6.74% |
| Variable | Owner-occupier, principal & interest | LVR 90–95% from $20,000 | 7.04% | 7.04% |
| Variable | Owner-occupier, principal & interest | LVR 90–95% from $700,000 | 7.04% | 7.04% |
| Variable | Owner-occupier, principal & interest | LVR up to 95% from $20,000 | 8.44% | 8.44% |
Fixed Home Loan · 6 rates · from 6.84%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 1 year fixed | Owner-occupier, principal & interest | LVR 80–95% | 6.89% | 6.40% |
| 2 year fixed | Owner-occupier, principal & interest | LVR 80–95% | 6.94% | 6.46% |
| 3 year fixed | Owner-occupier, principal & interest | LVR 80–95% | 6.94% | 6.52% |
| 3 year fixed | Owner-occupier, principal & interest | LVR 80–95% | 6.84% | 6.49% |
| 4 year fixed | Owner-occupier, principal & interest | LVR 80–95% | 6.94% | 6.57% |
| 5 year fixed | Owner-occupier, principal & interest | LVR 80–95% | 6.94% | 6.61% |
Fixed Investment Loan · 5 rates · from 7.09%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 1 year fixed | Investor, principal & interest | LVR 80–90% | 7.09% | 6.56% |
| 2 year fixed | Investor, principal & interest | LVR 80–90% | 7.14% | 6.63% |
| 3 year fixed | Investor, principal & interest | LVR 80–90% | 7.14% | 6.68% |
| 4 year fixed | Investor, principal & interest | LVR 80–90% | 7.14% | 6.74% |
| 5 year fixed | Investor, principal & interest | LVR 80–90% | 7.14% | 6.78% |
Fixed Investment Loan - Interest Only · 5 rates · from 6.89%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 1 year fixed | Investor, interest only | LVR up to 80% | 6.89% | 6.54% |
| 2 year fixed | Investor, interest only | LVR up to 80% | 6.94% | 6.58% |
| 3 year fixed | Investor, interest only | LVR up to 80% | 6.94% | 6.62% |
| 4 year fixed | Investor, interest only | LVR up to 80% | 6.94% | 6.66% |
| 5 year fixed | Investor, interest only | LVR up to 80% | 6.94% | 6.69% |
Home Build Access (HBA) Deposit Assist Loan · 1 rate · from 9.01%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Owner-occupier, principal & interest | LVR up to 10% | 9.01% | 9.07% |
Home Build Access (HBA) Low Deposit · 1 rate · from 9.01%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Owner-occupier, principal & interest | LVR up to 18% | 9.01% | 9.07% |
Home Build Access (HBA) SIL · 1 rate · from 9.05%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Owner-occupier, principal & interest | LVR up to 98% | 9.05% | – |
Staff Home Loan · 1 rate · from 8.18%Only for: staffSpecialist loan
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Owner-occupier, principal & interest | LVR up to 95% | 8.18% | – |
Standard Fixed Rate Home Loans - Investment · 8 rates · from 6.69%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 1 year fixed | Investor, interest only | LVR up to 90% from $20,000 | 6.89% | 9.32% |
| 1 year fixed | Investor, principal & interest | LVR up to 90% from $20,000 | 6.69% | 9.28% |
| 2 year fixed | Investor, interest only | LVR up to 90% from $20,000 | 6.94% | 9.06% |
| 2 year fixed | Investor, principal & interest | LVR up to 90% from $20,000 | 6.74% | 9.00% |
| 3 year fixed | Investor, interest only | LVR up to 90% from $20,000 | 6.94% | 8.83% |
| 3 year fixed | Investor, principal & interest | LVR up to 90% from $20,000 | 6.74% | 8.75% |
| 5 year fixed | Investor, interest only | LVR up to 90% from $20,000 | 6.94% | 8.44% |
| 5 year fixed | Investor, principal & interest | LVR up to 90% from $20,000 | 6.74% | 8.32% |
Standard Fixed Rate Home Loans - Owner Occupied · 4 rates · from 6.49%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 1 year fixed | Owner-occupier, principal & interest | LVR up to 95% from $20,000 | 6.49% | 8.78% |
| 2 year fixed | Owner-occupier, principal & interest | LVR up to 95% from $20,000 | 6.54% | 8.54% |
| 3 year fixed | Owner-occupier, principal & interest | LVR up to 95% from $20,000 | 6.54% | 8.32% |
| 5 year fixed | Owner-occupier, principal & interest | LVR up to 95% from $20,000 | 6.54% | 7.95% |
* Comparison rates are calculated on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is 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.
Rates are checked every few hours from each lender’s published Consumer Data Right product data; last checked 2 Nov, 12:05 am AEDT. This is general information, not credit or financial advice, and doesn’t consider your circumstances. Confirm rates, fees and eligibility with the lender before you apply. We don’t take payment from lenders, and the order of results never depends on who pays. How this works.