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
8.57%
Interest Rate
6.54%
Comparison Rate
8.35%
Interest Rate
6.54%
Comparison Rate
8.15%
Interest Rate
6.54%
Comparison Rate
7.82%
Rates Effective From 23/09/2026
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
8.28%
Comparison Rate
8.59%
Interest Rate
6.49%
Comparison Rate
8.39%
Interest Rate
6.54%
Comparison Rate
8.22%
Interest Rate
6.54%
Comparison Rate
8.06%
Interest Rate
6.54%
Comparison Rate
7.79%
Rates Effective From 23/09/2026
Discount Variable Switch Rate
8.19 % PA 8.19 % PA
Interest rate
Comparison Rate #
Investment switching rates