Health Professionals Bank
Your Way Plus Interest Only Home Loan
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 70–80%
Health Professionals Bank Home Loan Rates
Active products
48
Lowest variable
6.09%
Lowest fixed
6.39%
Lowest comparison
6.13%
Last updated
4 Aug 2026
Health Professionals Bank is one of the Australian home-loan lenders we track daily. We currently surface 48 active products from Health Professionals Bank, refreshed from authoritative lender sources. The product table below sorts by comparison rate by default, the true-cost metric mandated by the National Consumer Credit Protection Act 2009, so you can see total cost, including standard fees, at a glance.
What is the lowest Health Professionals Bank home loan rate?
The lowest Health Professionals Bank variable home loan rate Ratesniffers tracks is 6.09% p.a., and the lowest fixed rate is 6.39% p.a. These figures come from the 48 Health Professionals Bank products on this page, ranked by comparison rate, refreshed daily (last updated 4 Aug 2026).
How many home loan products does Health Professionals Bank offer?
Ratesniffers currently tracks 48 Health Professionals Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
Health Professionals Bank home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier interest-only | 6.09% p.a. | 6.13% p.a. | 98% |
| Variable Owner-occupier P&I | 6.09% p.a. | 6.13% p.a. | 98% |
| Variable Owner-occupier interest-only | 6.09% p.a. | 6.13% p.a. | — |
| Variable Owner-occupier P&I | 6.09% p.a. | 6.13% p.a. | — |
| Variable Investor P&I | 6.34% p.a. | 6.38% p.a. | 98% |
| Variable Investor interest-only | 6.34% p.a. | 6.38% p.a. | 98% |
| Variable Investor interest-only | 6.34% p.a. | 6.38% p.a. | — |
| Variable Investor P&I | 6.34% p.a. | 6.38% p.a. | — |
| Fixed 2-year Investor P&I | 6.39% p.a. | 6.43% p.a. | 98% |
| Fixed 1-year Owner-occupier P&I | 6.39% p.a. | 6.43% p.a. | — |
| Fixed 2-year Investor P&I | 6.39% p.a. | 6.43% p.a. | — |
| Fixed 1-year Owner-occupier P&I | 6.39% p.a. | 6.43% p.a. | — |
48 Health Professionals Bank home loan products
Health Professionals Bank
Your Way Plus Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 70–80%
Health Professionals Bank
Your Way Interest Only Home Loan
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 70–80%
Health Professionals Bank
Your Way Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 70–80%
Health Professionals Bank
Your Way Plus Home Loan Investor
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.34%p.a.
Comparison*
6.38%p.a.
Monthly repayment
$3,108
LVR 70–80%
Health Professionals Bank
Your Way Plus Interest Only Home Loan Investor
InvestorVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.34%p.a.
Comparison*
6.38%p.a.
Monthly repayment
$3,108
LVR 70–80%
Health Professionals Bank
Your Way Interest Only Home Loan Investor
InvestorVariableInterest onlyRedrawExtra repayments
Interest
6.34%p.a.
Comparison*
6.38%p.a.
Monthly repayment
$3,108
LVR 70–80%
Health Professionals Bank
Your Way Home Loan Investor
InvestorVariableP&IRedrawExtra repayments
Interest
6.34%p.a.
Comparison*
6.38%p.a.
Monthly repayment
$3,108
LVR 70–80%
Health Professionals Bank
Your Way Plus Fixed Home Loan Investor
Investor2y FixedP&IOffsetRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR 60–80%
Health Professionals Bank
Your Way Plus Fixed Home Loan
Owner-occupier1y FixedP&IOffsetRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR 60–80%
Health Professionals Bank
Your Way Fixed Rate Home Loan Investor
Investor2y FixedP&I
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR —
Health Professionals Bank
Your Way Fixed Rate Home Loan
Owner-occupier1y FixedP&I
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR —
Health Professionals Bank
Your Way Plus Fixed Home Loan
Owner-occupier2y FixedP&IOffsetRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR 60–80%
Health Professionals Bank
Your Way Fixed Rate Home Loan
Owner-occupier2y FixedP&I
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR —
Health Professionals Bank
Your Way Plus Fixed Home Loan Investor
Investor3y FixedP&IOffsetRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR 60–80%
Health Professionals Bank
Your Way Fixed Rate Home Loan Investor
Investor3y FixedP&I
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR —
Health Professionals Bank
Your Way Plus Fixed Home Loan Investor
Investor1y FixedP&IOffsetRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
6.58%p.a.
Monthly repayment
$3,174
LVR 60–80%
Health Professionals Bank
Your Way Plus Fixed Home Loan
Owner-occupier3y FixedP&IOffsetRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
6.58%p.a.
Monthly repayment
$3,174
LVR 60–80%
Health Professionals Bank
Your Way Fixed Rate Home Loan Investor
Investor1y FixedP&I
Interest
6.54%p.a.
Comparison*
6.58%p.a.
Monthly repayment
$3,174
LVR —
Health Professionals Bank
Your Way Fixed Rate Home Loan
Owner-occupier3y FixedP&I
Interest
6.54%p.a.
Comparison*
6.58%p.a.
Monthly repayment
$3,174
LVR —
Health Professionals Bank
Your Way Plus Fixed Home Loan
Owner-occupier4y FixedP&IOffsetRedrawExtra repayments
Interest
6.59%p.a.
Comparison*
6.63%p.a.
Monthly repayment
$3,190
LVR 60–80%
Health Professionals Bank
Your Way Fixed Rate Home Loan
Owner-occupier4y FixedP&I
Interest
6.59%p.a.
Comparison*
6.63%p.a.
Monthly repayment
$3,190
LVR —
Health Professionals Bank
Your Way Plus Fixed Interest Only Home Loan Investor
Investor2y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.64%p.a.
Comparison*
6.68%p.a.
Monthly repayment
$3,207
LVR 60–80%
Health Professionals Bank
Your Way Plus Fixed Interest Only Home Loan
Owner-occupier1y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.64%p.a.
Comparison*
6.68%p.a.
Monthly repayment
$3,207
LVR 60–80%
Health Professionals Bank
Your Way Fixed Rate Interest Only Home Loan Investor
Investor2y FixedInterest only
Interest
6.64%p.a.
Comparison*
6.68%p.a.
Monthly repayment
$3,207
LVR —
Health Professionals Bank
Your Way Fixed Rate Interest Only Home Loan
Owner-occupier1y FixedInterest only
Interest
6.64%p.a.
Comparison*
6.68%p.a.
Monthly repayment
$3,207
LVR —
Health Professionals Bank
Your Way Plus Fixed Home Loan Investor
Investor4y FixedP&IOffsetRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR 60–80%
Health Professionals Bank
Your Way Plus Fixed Interest Only Home Loan
Owner-occupier2y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR 60–80%
Health Professionals Bank
Your Way Fixed Rate Home Loan Investor
Investor4y FixedP&I
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR —
Health Professionals Bank
Your Way Fixed Rate Interest Only Home Loan
Owner-occupier2y FixedInterest only
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR —
Health Professionals Bank
Your Way Plus Fixed Home Loan Investor
Investor5y FixedP&IOffsetRedrawExtra repayments
Interest
6.74%p.a.
Comparison*
6.78%p.a.
Monthly repayment
$3,240
LVR 60–80%
Health Professionals Bank
Your Way Plus Fixed Interest Only Home Loan Investor
Investor3y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.74%p.a.
Comparison*
6.78%p.a.
Monthly repayment
$3,240
LVR 60–80%
Health Professionals Bank
Your Way Plus Fixed Home Loan
Owner-occupier5y FixedP&IOffsetRedrawExtra repayments
Interest
6.74%p.a.
Comparison*
6.78%p.a.
Monthly repayment
$3,240
LVR 60–80%
Health Professionals Bank
Your Way Fixed Rate Interest Only Home Loan Investor
Investor3y FixedInterest only
Interest
6.74%p.a.
Comparison*
6.78%p.a.
Monthly repayment
$3,240
LVR —
Health Professionals Bank
Your Way Fixed Rate Home Loan Investor
Investor5y FixedP&I
Interest
6.74%p.a.
Comparison*
6.78%p.a.
Monthly repayment
$3,240
LVR —
Health Professionals Bank
Your Way Fixed Rate Home Loan
Owner-occupier5y FixedP&I
Interest
6.74%p.a.
Comparison*
6.78%p.a.
Monthly repayment
$3,240
LVR —
Health Professionals Bank
Your Way Plus Fixed Interest Only Home Loan Investor
Investor1y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.79%p.a.
Comparison*
6.83%p.a.
Monthly repayment
$3,256
LVR 60–80%
Health Professionals Bank
Your Way Plus Fixed Interest Only Home Loan
Owner-occupier3y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.79%p.a.
Comparison*
6.83%p.a.
Monthly repayment
$3,256
LVR 60–80%
Health Professionals Bank
Your Way Fixed Rate Interest Only Home Loan Investor
Investor1y FixedInterest only
Interest
6.79%p.a.
Comparison*
6.83%p.a.
Monthly repayment
$3,256
LVR —
Health Professionals Bank
Your Way Fixed Rate Interest Only Home Loan
Owner-occupier3y FixedInterest only
Interest
6.79%p.a.
Comparison*
6.83%p.a.
Monthly repayment
$3,256
LVR —
Health Professionals Bank
Your Way Plus Fixed Interest Only Home Loan
Owner-occupier4y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.84%p.a.
Comparison*
6.88%p.a.
Monthly repayment
$3,273
LVR 60–80%
Health Professionals Bank
Your Way Fixed Rate Interest Only Home Loan
Owner-occupier4y FixedInterest only
Interest
6.84%p.a.
Comparison*
6.88%p.a.
Monthly repayment
$3,273
LVR —
Health Professionals Bank
Your Way Plus Fixed Interest Only Home Loan Investor
Investor4y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.94%p.a.
Comparison*
6.98%p.a.
Monthly repayment
$3,306
LVR 60–80%
Health Professionals Bank
Your Way Fixed Rate Interest Only Home Loan Investor
Investor4y FixedInterest only
Interest
6.94%p.a.
Comparison*
6.98%p.a.
Monthly repayment
$3,306
LVR —
Health Professionals Bank
Your Way Plus Fixed Interest Only Home Loan Investor
Investor5y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.99%p.a.
Comparison*
7.03%p.a.
Monthly repayment
$3,323
LVR 60–80%
Health Professionals Bank
Your Way Plus Fixed Interest Only Home Loan
Owner-occupier5y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.99%p.a.
Comparison*
7.03%p.a.
Monthly repayment
$3,323
LVR 60–80%
Health Professionals Bank
Your Way Fixed Rate Interest Only Home Loan Investor
Investor5y FixedInterest only
Interest
6.99%p.a.
Comparison*
7.03%p.a.
Monthly repayment
$3,323
LVR —
Health Professionals Bank
Your Way Fixed Rate Interest Only Home Loan
Owner-occupier5y FixedInterest only
Interest
6.99%p.a.
Comparison*
7.03%p.a.
Monthly repayment
$3,323
LVR —
Negotiate Health Professionals Bank rates with a broker
Advertised rates aren't always the rate Health Professionals Bank actually approves. Our broker negotiates against your specific scenario, no fee.
Who is Health Professionals Bank?
Health Professionals Bank is the healthcare brand of Teachers Mutual Bank Ltd, the customer-owned group whose May 2026 merger with Australian Mutual Bank lifted it to around $14 billion in assets. Membership is open to nurses, midwives, allied-health, aged-care and other health workers and their families.
It shares the group's licence and mutual structure with Teachers Mutual Bank, UniBank and Firefighters Mutual Bank, with pricing and policies aimed at the health workforce.
Who suits a Health Professionals Bank home loan?
Health Professionals Bank tends to suit nurses, midwives and allied-health workers who want customer-owned pricing from a lender familiar with healthcare rosters, shift penalties and agency income. Its rates are often competitive without always leading, so compare against the sharpest lenders in the table above.
Background facts checked 21 July 2026. Rates above refresh independently.
Health Professionals Bank home loans: frequently asked questions
What is the lowest Health Professionals Bank home loan rate?
Health Professionals Bank's lowest variable home loan rate is currently 6.09% p.a., and its lowest fixed rate is 6.39% p.a., based on the 48 Health Professionals Bank products Ratesniffers ranks by comparison rate, refreshed daily (last updated 4 Aug 2026). The advertised rate isn't always the rate Health Professionals Bank approves, a broker can often negotiate a sharper deal on your scenario.
How does Health Professionals Bank's home loan rate compare to the market?
Health Professionals Bank's lowest variable home loan rate today is 6.09% p.a., which is 1 basis points above the market median of 6.08% p.a., so there are sharper variable rates available elsewhere today, and it's worth comparing or asking Health Professionals Bank to match a lower rate. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where Health Professionals Bank sits right now rather than a fixed snapshot.
How many home loan products does Health Professionals Bank offer?
Ratesniffers currently tracks 48 Health Professionals Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is refreshed daily and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is Health Professionals Bank competitive for refinancing?
It depends on your loan size and LVR. Health Professionals Bank's lowest comparison rate is currently 6.13% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing Health Professionals Bank against the sharpest available rate usually pays off.
How often are Health Professionals Bank's home loan rates updated?
Ratesniffers refreshes Health Professionals Bank's home loan rates daily; this page was last updated 4 Aug 2026. Rates can change whenever Health Professionals Bank reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.
Health Professionals Bank rates by borrower and loan type
The same Health Professionals Bank panel, filtered to the scenario you're actually shopping for.
- Health Professionals Bank owner-occupier ratesP&I and offset-eligible products, ranked sharpest-first.
- Health Professionals Bank investor ratesInvestment lending, interest-only where offered.
- Health Professionals Bank refinance ratesRefinance-eligible products versus your current rate.
- Health Professionals Bank first home buyer ratesFHB-eligible products, Home Guarantee where supported.
- Health Professionals Bank fixed rates1 to 5-year terms where available.
- Health Professionals Bank variable ratesFlexible repayments, offset-compatible products.
- Health Professionals Bank interest-only ratesIO terms, mostly investor products.
- Health Professionals Bank offset loans100% offset-account-eligible products.
Compare home loans across the market by purpose
The whole visible panel, sliced by what borrowers actually search for.
Other lenders you might compare
Same purpose-built rate cards, different lender panels.
Mortgage guides and market context
Plain-English explainers, plus where rates sit across the market today.