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
6.49%
Comparison Rate
8.63%
Interest Rate
6.29%
Comparison Rate
8.36%
Interest Rate
6.09%
Comparison Rate
8.08%
Interest Rate
5.99%
Comparison Rate
7.63%
Rates Effective From 21/11/2023
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
8.28%
Comparison Rate
8.60%
Interest Rate
6.49%
Comparison Rate
8.40%
Interest Rate
6.29%
Comparison Rate
8.18%
Interest Rate
6.09%
Comparison Rate
7.94%
Interest Rate
5.99%
Comparison Rate
7.57%
Rates Effective From 21/11/2023
Discount Variable Switch Rate
8.19 % PA 8.21 % PA
Interest rate
Comparison Rate*
Standard Variable Switch Rate
8.74 % PA 8.89 % PA
Interest rate
Comparison Rate*
Investment switching rates