Home loan rates › People First and Heritage Bank
Standard Fixed Rate Home Loans - Owner Occupied
People First and Heritage Bank
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 |
|---|---|---|---|---|---|
| 6.49% | 8.78% | Fixed · 1 year · owner occupied · principal and interest · LVR 95% or less · $20,000 or more | CDR | 1 Nov 2026 | |
| 6.54% | 8.54% | Fixed · 2 years · owner occupied · principal and interest · LVR 95% or less · $20,000 or more | CDR | 1 Nov 2026 | |
| 6.54% | 8.32% | Fixed · 3 years · owner occupied · principal and interest · LVR 95% or less · $20,000 or more | CDR | 1 Nov 2026 | |
| 6.54% | 7.95% | Fixed · 5 years · owner occupied · principal and interest · LVR 95% 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.
Report an error
Anyone can report a value that looks wrong. The row is marked as disputed and keeps its value; when the lender's Consumer Data Right data next changes we check it and remove the mark.
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/7ed2d768-8322-497b-9b68-510519174a4e- Content hash
sha256 40e38244b97423e47ed0ec84ae2e40e34fa3f441fdd9ff0a812a18f5d971a2d5- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_40e38244b97423e4_d2203ab1Show details
- Checked
- 1 Nov 2026
- URL
https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/7ed2d768-8322-497b-9b68-510519174a4e- Content hash
sha256 40e38244b97423e47ed0ec84ae2e40e34fa3f441fdd9ff0a812a18f5d971a2d5- 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 | Exit | $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 |
| 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 |
| Telegraphic transfer fee | Event | $30.00 |
| Approval request fee | Other | Set in your letter of offer |
| Partial release assessment fee | Other | Set in your letter of offer |
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 | |
| 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 · owner occupied · principal and interest · LVR 95% or less · $20,000 or more | 1 Nov 2026 | Current | 6.54% | 7.95% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 95% or less · $20,000 or more | 1 Nov 2026 | Current | 6.54% | 8.54% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 95% or less · $20,000 or more | 1 Nov 2026 | Current | 6.49% | 8.78% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 95% or less · $20,000 or more | 1 Nov 2026 | Current | 6.54% | 8.32% |
*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.
Registered channels
Lender staff and brokers registered with Homepedia, and the prices available through them. Separate from the product data above: it never changes the lender's rates or the order of any rate table.People registered for this product
No one is registered for this product yet. Lender staff and brokers can join through verification.