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.

Owner-Occupied switching rates

Interest Rate Comparison Rate
1 Year Fixed
2 Years Fixed
3 Years Fixed
5 Years Fixed
Interest Rate
5.59%
Comparison Rate
8.31%
Interest Rate
5.49%
Comparison Rate
8.00%
Interest Rate
5.49%
Comparison Rate
7.74%
Interest Rate
5.69%
Comparison Rate
7.37%
Rates Effective From 07/05/2025
Interest Rate Comparison Rate
Home Advantage Variable
Home Advantage Fixed - 1 Year
Home Advantage Fixed - 2 Years
Home Advantage Fixed - 3 Years
Home Advantage Fixed - 5 Years
Interest Rate
8.03%
Comparison Rate
8.36%
Interest Rate
5.59%
Comparison Rate
8.08%
Interest Rate
5.49%
Comparison Rate
7.82%
Interest Rate
5.49%
Comparison Rate
7.60%
Interest Rate
5.69%
Comparison Rate
7.31%
Rates Effective From 07/05/2025
Discount Variable Switch Rate
7.94 % PA 7.96 % PA
Interest rate
Comparison Rate*
Standard Variable Switch Rate
8.49 % PA 8.64 % PA
Interest rate
Comparison Rate*
Investment switching rates