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{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% LVR6.25%{45A04703-2BA6-4D0F-8D54-6F1DBED3FE76}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/effective-dateTue, 13 Oct 2026 00:00:00 +1000{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 Fixed8.39%{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 Fixed8.91%{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 Fixed8.72%{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 Fixed8.83%{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 Fixed8.44%{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 Fixed9.12%{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 Fixed9.66%{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 Fixed9.32%{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 Fixed9.06%{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 Fixed8.99%{12C11020-EB35-45A4-94F8-EF392DDC207A}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/specialist/professional-package/ppleProfessional Package Living Equity{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{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 Fixed8.66%{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 Fixed8.30%{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 Fixed8.32%{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 Fixed9.10%{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 Fixed8.87%{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 Fixed9.28%{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 Fixed9.00%{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 Fixed8.75%{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 Fixed9.67%{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 Variable9.38%{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 Fixed8.99%{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 Fixed8.19%{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 Fixed7.88%{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 Fixed8.56%{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 Fixed8.37%{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 Fixed8.23%{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 Fixed7.92%{B7261D6D-08C2-40BC-B2EF-27F715454AA6}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/specialist/professional-package/ppsvProfessional Package Variable8.79%{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 Fixed8.41%{B5B0B9A8-0754-4B7E-80AB-320E2BFF76B4}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/switching-rate/owner-occupied/sw_3yf3 Years Fixed8.32%{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 Fixed7.95%{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 Fixed8.60%{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 Fixed8.78%{47AAF6FA-86E5-4B19-91A3-AE0D7F8B700F}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/switching-rate/owner-occupied/sw_2yf2 Years Fixed8.54%{FD66188C-DB6D-4CF6-9B1F-1ABCDFA1BF81}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/fixed-rate/investment-interestonly-package/ha_5yf_inv_io5 Years Fixed7.24%{2A0D489E-8DF7-4742-947E-CF77CA58FFB9}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/switching-rate/package/sw_hasvHome Advantage Package Variable8.83%{0CF4A3ED-E585-4FE0-A14F-408D20121C38}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/fixed-rate/investment-interestonly-package/ha_1yf_inv_io1 Year Fixed7.23%{61D489FD-8C94-40A5-878F-B0785D79B4BC}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/fixed-rate/investment-interestonly-package/ha_2yf_inv_io2 Years Fixed7.24%{F3A48A6E-25D5-4F25-9E8A-84FFB9B23051}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/fixed-rate/investment-interestonly-package/ha_3yf_inv_io3 Years Fixed7.24%{05B0AD83-F86D-43F3-8C47-29F2A8003B7D}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/fixed-rate/investment-interest-only/3yf_1_inv_io3 Years Fixed8.83%{93C8BBC7-A71E-4319-8D38-9534FC46F813}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/fixed-rate/investment-interest-only/5yf_1_inv_io5 Years Fixed8.44%{211D496C-6DEB-4397-BBA9-B193EF183A0D}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/fixed-rate/investment-interest-only/1yf_1_inv_io1 Year Fixed9.32%{D66732B0-D978-49A0-A39B-B76BFE77230F}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/fixed-rate/investment-interest-only/2yf_1_inv_io2 Years Fixed9.06%{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 more7.09%{A47AA844-3E74-484B-9D62-BE84F9532C26}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/standard-variable/investment-interestonly-package/hasv_t3_inv_io70% to 80% LVR - $700,000 or more7.19%{720AF843-3C0E-4E1D-929C-F9419D3D28B3}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/standard-variable/investment-interestonly-package/hasv_t3_lvr1_inv_io80% to 90% LVR - $700,000 or more7.59%