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
6.29%
Comparison Rate
8.54%
Interest Rate
6.24%
Comparison Rate
8.29%
Interest Rate
6.29%
Comparison Rate
8.08%
Interest Rate
6.39%
Comparison Rate
7.75%
Rates Effective From 03/07/2026
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
6.29%
Comparison Rate
8.36%
Interest Rate
6.24%
Comparison Rate
8.15%
Interest Rate
6.29%
Comparison Rate
7.99%
Interest Rate
6.39%
Comparison Rate
7.73%
Rates Effective From 03/07/2026
Discount Variable Switch Rate
8.19 % PA 8.19 % PA
Interest rate
Comparison Rate #
Investment switching rates