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Refinancing with Heartland

Looking to refinance your mortgage? Heartland’s simple online application and great rates could save you money and stress.Better yet, you could get a credit of up to $1,500 if you refinance onto our floating rate and stay floating for 12 months.

Excited couple with a signed refinance agreement on the table in front of them

Our rates

Choose the loan type that’s right for you, whether fixed, floating, revolving credit or a combination of all three.

Floating

3.75

%

p.a.

1 year fixed

3.25

%

p.a.

2 year fixed

3.79

%

p.a.

3 year fixed

4.15

%

p.a.

Revolving credit (floating)

3.75

%

p.a.

Charged monthly

Interest rates accurate as at 19/01/22

Calculate what you could save

Keen to refinance before your fixed term is up, but not sure whether it’ll be worth the break fees from your current provider? We can incorporate your break fees into your new Heartland Home Loan so you can pay them off over time.

This calculator is a general tool to estimate repayments and the total loan cost only, and is not an offer of finance by Heartland. Our calculations are based on the information you have entered, including the interest rate and loan term you selected, and are calculated at the interest rate being constant for the entire loan term. The total interest difference is based on the total interest that would be charged on your current mortgage if the rate was constant for the entire remaining loan term, minus the total interest that would be charged on a Heartland mortgage if the rate was constant for the entire selected term. Changes to interest rates and/or the repayment amounts will change this. Our quoted interest rates are subject to change. Heartland's responsible lending criteria, terms, conditions and fees apply.

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