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
5.19%
Comparison Rate
7.83%
Interest Rate
5.14%
Comparison Rate
7.55%
Interest Rate
5.19%
Comparison Rate
7.31%
Interest Rate
5.39%
Comparison Rate
6.98%
Rates Effective From 13/11/2025
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
7.53%
Comparison Rate
7.86%
Interest Rate
5.19%
Comparison Rate
7.61%
Interest Rate
5.14%
Comparison Rate
7.37%
Interest Rate
5.19%
Comparison Rate
7.18%
Interest Rate
5.39%
Comparison Rate
6.91%
Rates Effective From 13/11/2025
Discount Variable Switch Rate
7.44 % PA 7.46 % PA
Interest rate
Comparison Rate*
Investment switching rates