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
4.49%
Comparison Rate
6.21%
Interest Rate
4.99%
Comparison Rate
6.14%
Interest Rate
5.19%
Comparison Rate
6.09%
Interest Rate
5.69%
Comparison Rate
6.15%
Rates Effective From 17/08/2022
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
Interest Rate
5.78%
Comparison Rate
6.13%
Interest Rate
4.49%
Comparison Rate
6.00%
Interest Rate
4.99%
Comparison Rate
5.98%
Interest Rate
5.19%
Comparison Rate
5.97%
Interest Rate
5.69%
Comparison Rate
6.09%
Rates Effective From 17/08/2022
Discount Variable Switch Rate
5.69 % PA 5.71 % PA
Interest rate
Comparison Rate*
Standard Variable Switch Rate
6.24 % PA 6.35 % PA
Interest rate
Comparison Rate*
Investment switching rates