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
3.39%
Comparison Rate
4.54%
Interest Rate
3.99%
Comparison Rate
4.55%
Interest Rate
4.49%
Comparison Rate
4.64%
Interest Rate
4.99%
Comparison Rate
4.85%
Rates Effective From 13/05/2022
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
Home Advantage Living Equity
Interest Rate
4.03%
Comparison Rate
4.40%
Interest Rate
3.39%
Comparison Rate
4.34%
Interest Rate
3.99%
Comparison Rate
4.40%
Interest Rate
4.49%
Comparison Rate
4.52%
Interest Rate
4.99%
Comparison Rate
4.80%
Interest Rate
4.48%
Comparison Rate
Rates Effective From 13/05/2022
Discount Variable Switch Rate
3.94 % PA 3.96 % PA
Interest rate
Comparison Rate*
Standard Variable Switch Rate
4.49 % PA 4.60 % PA
Interest rate
Comparison Rate*
Investment switching rates