https://www.heritage.com.au/loans/home-loansHome Loan Rates. <title> = Rate, <description> = Comparison Rate, <author> = Product Name, Effective Date is under the item with 'effective-date' in its link.en{45A04703-2BA6-4D0F-8D54-6F1DBED3FE76}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/effective-dateWed, 08 Apr 2026 00:00:00 +1000{FE4F76EE-22CA-49FD-9CC5-54439EF846F2}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/standard-variable/investment-interestonly-package/hasv_t3_lvr0_inv_ioUp to 70% LVR - $700,000 or more6.51%{B2E007EF-766A-4CC8-BA96-7928CC2FB1AE}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/standard-variable/investment-interestonly-package/hasv_t2_lvr0_inv_ioUp to 70% LVR - $250,000 to $699,9996.56%{FB7AAA83-CF4D-4DC8-AB3C-8B23B925807D}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/standard-variable/investment-interestonly-package/hasv_t0_inv_ioUp to 70% LVR- $150,000 to $249,9996.56%{919FC025-CE65-4247-968F-1D514B698731}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/discount-variable/investment-interest-only/dv_t2_inv_ioDiscount Variable - Investment - Interest only - $700,000 or more - less than 70% LVR6.11%{DF8B1615-A3F9-45B3-9FB4-E9F5B379CB68}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/discount-variable/investment-interest-only/dv_t1_lvr0_inv_ioDiscount Variable - Investment - Interest only - Up to 70% LVR6.11%{E78D5DAD-F1D9-4875-9ABC-565C389BA018}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/standard-variable/investment-package/hasv_t3_lvr0_invUp to 70% LVR - $700,000 or more6.24%{C5338AA3-A09B-4F22-B617-E6A1A5B4F209}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/standard-variable/investment-package/hasv_t2_lvr0_invUp to 70% LVR - $250,000 to $699,9996.29%{906B9308-002B-4469-A215-270BAFEE0514}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/standard-variable/investment-package/hasv_t0_invUp to 70% LVR - $150,000 to $249,0006.29%{E45BCF1F-C3FB-4F50-85A7-5665FC01B3F6}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/discount-variable/investment/dv_t2_invDiscount Variable - Investment - $700,000 or more - up to 70% LVR5.81%{40FC1D4C-1362-4502-B62A-312C0EA1F5DF}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/discount-variable/investment/dv_t1_lvr0_invDiscount Variable - Investment - Up to 70% LVR5.81%{1783471C-CB11-45E6-8313-46BF6C2E432E}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/standard-variable/home-advantage-package/hasv_t3_lvr0Up to 70% LVR - $700,000 or more6.09%{E7979F8D-E417-42C1-809E-8C675EAD07AC}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/standard-variable/home-advantage-package/hasv_t2_lvr0Up to 70% LVR - $250,000 to $699,9996.14%{8B9225A3-A1ED-4FC5-BA77-F766FC6915B6}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/standard-variable/home-advantage-package/hasv_t0Up to 70% LVR6.14%{452F6468-8A9A-4B73-8285-58D354769E25}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/discount-variable/owner-occupied/dv_t2Discount Variable - $700,000 or more - less than 70% LVR5.66%{980870A6-6558-4A8B-9DD9-242628054E83}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/discount-variable/owner-occupied/dv_t0Discount Variable - Up to 70% LVR5.66%{29853691-FBC0-4401-AFC8-BCF4CDAD7282}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/switching-rate/investment-interestonly-package/sw_ha_5yf_inv_ioHome Advantage Package 5 Year Fixed7.99%{4CED555B-BED0-41CC-A7EA-9D3B6831572F}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/switching-rate/investment-interestonly-package/sw_ha_1yf_inv_ioHome Advantage Package 1 Year Fixed8.65%{FECCF8E0-D48F-448B-AC4D-266682D82E4B}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/switching-rate/investment-interestonly-package/sw_ha_2yf_inv_ioHome Advantage Package 2 Year Fixed8.45%{111889B0-E7AD-45F0-BFDD-9E80C549EB2D}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/switching-rate/investment-interestonly-package/sw_ha_3yf_inv_ioHome Advantage Package 3 Year Fixed8.28%{526D684C-B079-4F4A-B8D5-DBAF9C5D3091}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/switching-rate/investment-interestonly/sw_2yf_inv_io1 Year Fixed8.65%{100F9B5C-7232-4659-9F94-E876EE823F73}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/switching-rate/investment-interestonly/sw_3yf_inv_io1 Year Fixed8.44%{F9A6B724-15C6-4346-864B-D92447FCD2F9}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/switching-rate/investment-interestonly/sw_5yf_inv_io1 Year Fixed8.08%{E9647D25-5E91-43A6-8ACF-D937ECD4C3ED}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/switching-rate/investment-interestonly/sw_sv_inv_io1 Year Fixed9.18%{1D78FA19-D26F-4BF3-83A6-E3F8EAFEC1F7}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/switching-rate/investment-interestonly/sw_1yf_inv_io1 Year Fixed8.89%{EF5F5D8E-1605-4657-82D0-BD5DBC28A09B}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/switching-rate/investment/sw_le_inv1 Year Fixed{FC03F585-A1C0-4F94-9770-7449E63DB024}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/switching-rate/investment-interestonly/sw_dv_inv_io1 Year Fixed8.51%{12C11020-EB35-45A4-94F8-EF392DDC207A}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/specialist/professional-package/ppleProfessional Package Living Equity{57A5AC69-BD99-473E-B8C4-ADE5AF367F46}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/switching-rate/investment-package/sw_ha_2yf_invHome Advantage Package 2 Years Fixed8.41%{3F5C2067-3990-4805-83D7-A8C9E3CC59C8}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/switching-rate/investment-package/sw_ha_3yf_invHome Advantage Package 3 Years Fixed8.22%{B6F05349-CC35-4DAA-8C85-472256741DEA}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/switching-rate/investment-package/sw_ha_5yf_invHome Advantage Package 5 Years Fixed7.90%{F5C09DC0-038F-4980-9929-8CD3A5F9DAA2}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/switching-rate/investment-package/sw_ha_1yf_invHome Advantage Package 1 Year Fixed8.63%{930F3989-293F-4BD6-823E-06C44BDF2DC7}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/switching-rate/investment/sw_2yf_inv1 Year Fixed8.59%{CF81F6AF-1AF6-4A69-811B-3EB60F235238}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/switching-rate/investment/sw_3yf_inv1 Year Fixed8.36%{0044ECEF-0F55-4527-8082-072F7BEDC6B5}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/switching-rate/investment/sw_5yf_inv1 Year Fixed7.97%{BD4B1018-5B25-45C6-AB62-3469A6C7B498}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/switching-rate/investment/sw_1yf_inv1 Year Fixed8.86%{AF50AE0C-7F70-470E-AC60-BEC8CA957C03}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/switching-rate/investment-package/sw_hasv_invHome Advantage Variable8.90%{276B7D83-5B8C-482D-A689-380B52ED8B87}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/switching-rate/investment/sw_dv_inv1 Year Fixed8.51%{CC49061E-FDDF-4FA7-8463-2B1D333D32ED}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/switching-rate/investment/sw_sv_inv1 Year Fixed9.19%{87181610-6998-485D-BA2F-EA9EE0F060AF}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/specialist/professional-package/5yf_2Professional Package 5 Years Fixed7.48%{77641675-A179-4082-8962-19FF57CBF765}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/specialist/professional-package/2yf_2Professional Package 2 Years Fixed7.90%{CA7B7144-4F75-45B9-890B-4D08949172DF}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/specialist/professional-package/3yf_2Professional Package 3 Years Fixed7.75%{DCF59457-8841-43DD-80FF-23FA4AC90FD6}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/specialist/professional-package/1yf_2Professional Package 1 Year Fixed8.09%{B7261D6D-08C2-40BC-B2EF-27F715454AA6}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/specialist/professional-package/ppsvProfessional Package Variable8.31%{6349AABC-DC15-4507-9A4A-508C58C8275C}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/switching-rate/package/sw_ha_2yfHome Advantage Package 2 Year Fixed7.95%{32A93A09-39F7-4821-B152-B1D78218261E}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/switching-rate/package/sw_ha_3yfHome Advantage Package 3 Year Fixed7.79%{0560B51D-7451-4F3C-9244-B8BFA4C7D141}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/switching-rate/package/sw_ha_5yfHome Advantage Package 5 Year Fixed7.52%{60AC27DB-280D-4CD0-A386-53DA8DFF73C9}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/switching-rate/owner-occupied/sw_5yf5 Years Fixed7.59%{97299A08-960D-46C8-B24A-8A4826674564}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/switching-rate/package/sw_ha_1yfHome Advantage Package 1 Year Fixed8.13%{FA928479-8DF7-4C6F-88D4-359DA4AB99B8}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/switching-rate/owner-occupied/sw_1yf1 Year Fixed8.36%