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
3.99%
Comparison Rate
5.27%
Interest Rate
4.69%
Comparison Rate
5.29%
Interest Rate
4.99%
Comparison Rate
5.32%
Interest Rate
5.49%
Comparison Rate
5.50%
Rates Effective From 01/07/2022
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
4.78%
Comparison Rate
5.14%
Interest Rate
3.99%
Comparison Rate
5.07%
Interest Rate
4.69%
Comparison Rate
5.13%
Interest Rate
4.99%
Comparison Rate
5.20%
Interest Rate
5.49%
Comparison Rate
5.44%
Interest Rate
5.23%
Comparison Rate
Rates Effective From 01/07/2022
Discount Variable Switch Rate
4.69 % PA 4.75 % PA
Interest rate
Comparison Rate*
Standard Variable Switch Rate
5.24 % PA 5.39 % PA
Interest rate
Comparison Rate*
Investment switching rates