Building societies are generally translated as housing credit cooperatives, which are similar to funds and credit organizations that manage provident funds and can handle savings and loans.

Heritage is generally translated as inheritance or hereditary. If we have to add a Chinese name to it, it is the hereditary housing credit cooperative.

The Heritage Building Society is a non-bank financial institution in Queensland, northern Australia. Its main income is to absorb savings and issue mortgage loans.

I live in Sydney, where there are many such credit companies. Anyway, you are lending money instead of saving money. Even if you lend the money, you don't have to pay it back temporarily and wait for the debt purchase.