Home loan rates › People First and Heritage Bank
Standard Fixed Rate Home Loans - Investment
People First and Heritage Bank
CDR official
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.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 6.89% | 9.32% | Fixed · 1 year · investment · interest only · LVR 90% or less · $20,000 or more | CDR | 1 Nov 2026 | |
| 6.94% | 9.06% | Fixed · 2 years · investment · interest only · LVR 90% or less · $20,000 or more | CDR | 1 Nov 2026 | |
| 6.94% | 8.83% | Fixed · 3 years · investment · interest only · LVR 90% or less · $20,000 or more | CDR | 1 Nov 2026 | |
| 6.94% | 8.44% | Fixed · 5 years · investment · interest only · LVR 90% or less · $20,000 or more | CDR | 1 Nov 2026 | |
| 6.69% | 9.28% | Fixed · 1 year · investment · principal and interest · LVR 90% or less · $20,000 or more | CDR | 1 Nov 2026 | |
| 6.74% | 9.00% | Fixed · 2 years · investment · principal and interest · LVR 90% or less · $20,000 or more | CDR | 1 Nov 2026 | |
| 6.74% | 8.75% | Fixed · 3 years · investment · principal and interest · LVR 90% or less · $20,000 or more | CDR | 1 Nov 2026 | |
| 6.74% | 8.32% | Fixed · 5 years · investment · principal and interest · LVR 90% or less · $20,000 or more | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 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. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/e5bcfa98-711e-4fe4-a61f-b48a1b08698d- Content hash
sha256 8390b38c11c13117278d14a130c30b36a50737268ed8a194b7abcd70a633a80b- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_8390b38c11c13117_d3da08ebShow details
- Checked
- 1 Nov 2026
- URL
https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/e5bcfa98-711e-4fe4-a61f-b48a1b08698d- Content hash
sha256 8390b38c11c13117278d14a130c30b36a50737268ed8a194b7abcd70a633a80b- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Paper Based Statement Fee | Other | $3.00 |
| Monthly Administration Fee | Periodic | $8.00 |
| Loan Finalisation Fee | Exit | $345.00 |
| Cheque Fee | Upfront | $10.00 |
| Title Registration Fee | Other | Set in your letter of offer |
| Default Fee | Event | $30.00 |
| Special Request Transaction Listing Fee | Event | $7.50 |
| Enforcement Fee | Event | $20.00 |
| Telegraphic Transfer fee (PEXA settlements) | Event | $35.00 |
| Renegotiation fee | Event | $250.00 |
| Substitute Security Fee | Event | $450.00 |
| Partial release processing fee | Event | $220.00 |
| Partial Release Assessment fee | Event | $100.00 |
| Capital reduction recalculation fee | Event | $75.00 |
| Change of term fee | Event | $75.00 |
| Document/Record Search fee | Event | $12.00 |
| Direct Debit dishonour fee | Event | $10.00 |
| Redraw Administration Fee | Event | $20.00 |
| Consent Fee | Event | $200.00 |
| Production Fee | Event | $100.00 |
| Title Search | Other | Set in your letter of offer |
| Title search - payable to Agent/Solicitor | Other | Set in your letter of offer |
| Agent's fees | Other | Set in your letter of offer |
| Bank cheques cost payable to any Bank issuing a bank cheque for settlement on settlement of Loan. | Other | Set in your letter of offer |
| 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 | Set in your letter of offer |
| Council mortgage notification fee | Other | Set in your letter of offer |
| Mortgage Dealing Fee | Other | Set in your letter of offer |
| Break fee | Other | Set in your letter of offer |
| Rate Guarantee fee | Other | Set in your letter of offer |
| QBE - Lenders Mortgage Insurance | Other | Set in your letter of offer |
| Guarantor fee | Event | $200.00 |
| Trust/Company Document Examination fee | Event | $250.00 |
| Collateral Security Preparation fee | Event | $100.00 |
| Approval request fee | Other | Set in your letter of offer |
| Telegraphic transfer fee | Event | $30.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Other | Lock in a competitive rate for a fixed term and get certainty of repayments | |
| Extra repayments | Make unlimited additional repayments without penalty provided the loan is not repaid in full during the fixed rate period | |
| Redraw | Online redraw available | |
| Other | Fixed rate terms of 1, 2, 3 or 5 years, with loan terms from 1 to 30 years | |
| Other | Interest only repayment options available for investors | |
| Guarantor | Family Guarantee option available | |
| Other | >$20,000 | Split Loan Available |
| Eligibility: min age | 18 | |
| Eligibility: residency status | A citizen or permanent resident of Australia or New Zealand | |
| Eligibility: other | Lending criteria apply | |
| Limit: min limit | 20000.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Fixed · 5 years · investment · principal and interest · LVR 90% or less · $20,000 or more | 1 Nov 2026 | Current | 6.74% | 8.32% |
| Fixed · 1 year · investment · interest only · LVR 90% or less · $20,000 or more | 1 Nov 2026 | Current | 6.89% | 9.32% |
| Fixed · 2 years · investment · interest only · LVR 90% or less · $20,000 or more | 1 Nov 2026 | Current | 6.94% | 9.06% |
| Fixed · 5 years · investment · interest only · LVR 90% or less · $20,000 or more | 1 Nov 2026 | Current | 6.94% | 8.44% |
| Fixed · 1 year · investment · principal and interest · LVR 90% or less · $20,000 or more | 1 Nov 2026 | Current | 6.69% | 9.28% |
| Fixed · 3 years · investment · principal and interest · LVR 90% or less · $20,000 or more | 1 Nov 2026 | Current | 6.74% | 8.75% |
| Fixed · 2 years · investment · principal and interest · LVR 90% or less · $20,000 or more | 1 Nov 2026 | Current | 6.74% | 9.00% |
| Fixed · 3 years · investment · interest only · LVR 90% or less · $20,000 or more | 1 Nov 2026 | Current | 6.94% | 8.83% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 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. Fees and charges are payable.
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