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-dateFri, 03 Jul 2026 00:00:00 +1000{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 Fixed8.66%{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 Fixed8.48%{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 Fixed8.20%{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 Fixed8.24%{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 Fixed8.81%{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 Fixed8.59%{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 Fixed8.42%{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 Fixed8.10%{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 Fixed8.12%{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 Fixed8.62%{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 Fixed8.75%{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 Fixed8.51%{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 Fixed7.94%{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 Fixed7.68%{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 Fixed8.11%{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 Fixed7.73%{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 Fixed8.15%{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 Fixed7.99%{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 Fixed7.75%{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 Fixed8.08%{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 Fixed8.29%{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 Fixed7.03%{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 Fixed6.98%{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 Fixed6.99%{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 Fixed8.59%{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 Fixed8.24%{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 Fixed8.81%{10F3D32B-DA4B-44FC-8450-EDE822D896E4}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/fixed-rate/investment-package/ha_3yf_inv3 Years Fixed6.75%{B1889AC8-364F-4995-9A08-5F77E3073E69}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/fixed-rate/investment-package/ha_5yf_inv5 Years Fixed6.81%{2B325A8B-352D-45C4-9F7D-E1BC03E43909}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/fixed-rate/investment-package/ha_2yf_inv2 Years Fixed6.73%{EB78A066-B3FF-40D2-8782-5C659255CCF1}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/fixed-rate/investment/2yf_1_inv2 Years Fixed8.75%{2F792CBF-0CC5-4EE8-9E48-2D10017A04B4}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/fixed-rate/investment/3yf_1_inv3 Years Fixed8.51%{B0834935-CE18-4AFC-857C-B4272B94264C}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/fixed-rate/investment/5yf_1_inv5 Years Fixed8.12%{B986F78F-2A2A-4B72-B72A-80DF97F01BCA}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/fixed-rate/home-advantage-package/ha_3yf3 Years Fixed6.58%{3E8775FF-91A3-41CA-9C8F-A2D1DF114059}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/fixed-rate/home-advantage-package/ha_5yf5 Years Fixed6.63%{6DD9584D-C4CC-4F4D-BF89-4F3F55B64AF4}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/fixed-rate/home-advantage-package/ha_2yf2 Years Fixed6.57%{9887D1C2-9E1D-48D8-ADE4-4C4CC75DCEE2}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/fixed-rate/owner-occupied/5yf_15 Years Fixed7.75%{C3820061-6AEB-416C-9099-A9417B1D6A77}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/fixed-rate/owner-occupied/3yf_13 Years Fixed8.08%{D1BFF192-131C-49E4-B379-36E4A25FADF3}https://www.heritage.com.au/sitecore/content/heritagecorporate/references/products/home-loans/home-loans/fixed-rate/owner-occupied/2yf_12 Years Fixed8.29%{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 more6.84%{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 $699,9996.89%{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 $249,9996.89%{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% LVR6.44%{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% LVR6.44%{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 more6.57%{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 $699,9996.62%{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 $249,0006.62%{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% LVR6.15%{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% LVR6.15%