Existing home loan switching interest rates 

If you're an existing Heritage member and would like to switch your existing owner-occupied or investment loan to a different product, loan switching rates apply. We've detailed these below.

Please contact us to discuss the loan options available to you.

Owner-Occupied switching rates

Interest Rate Comparison Rate
1 Year Fixed
2 Years Fixed
3 Years Fixed
5 Years Fixed
Interest Rate
6.49%
Comparison Rate
8.78%
Interest Rate
6.54%
Comparison Rate
8.54%
Interest Rate
6.54%
Comparison Rate
8.32%
Interest Rate
6.54%
Comparison Rate
7.95%
Rates Effective From 13/10/2026
Interest Rate Comparison Rate
Home Advantage Package Variable
Home Advantage Package 1 Year Fixed
Home Advantage Package 2 Year Fixed
Home Advantage Package 3 Year Fixed
Home Advantage Package 5 Year Fixed
Interest Rate
8.53%
Comparison Rate
8.83%
Interest Rate
6.49%
Comparison Rate
8.60%
Interest Rate
6.54%
Comparison Rate
8.41%
Interest Rate
6.54%
Comparison Rate
8.23%
Interest Rate
6.54%
Comparison Rate
7.92%
Rates Effective From 13/10/2026
Discount Variable Switch Rate
8.44 % PA 8.44 % PA
Interest rate
Comparison Rate #
Investment switching rates