Interest
6.19%p.a.
Comparison*
6.23%p.a.
Est. repayment
$3,059
LVR ≤60%
Health Professionals Bank Home Loan Rates
Health Professionals Bank lifted its variable home-loan rates by 0.25 percentage points from 8 October 2026, Ratesniffers records. Every lender's date is in the RBA rate pass-through tracker.
Tracked products
345
Variable product example
6.44%
A verified Health Professionals Bank product example is Your Way Basic Home Loan 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.48% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
Fixed product example
7.09%
A verified Health Professionals Bank product example is Your Way Plus 3 Year Fixed Owner Occupied 80% - 90% LVR P&I: 7.09% p.a. (7.18% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 80% to 90%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
Variable example comparison
6.48%
A verified Health Professionals Bank product example is Your Way Basic Home Loan 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.48% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
Last updated
4 November 2026
Health Professionals Bank is one of the Australian home-loan lenders we track daily. We currently surface 345 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 are Health Professionals Bank home loan rates?
Ratesniffers compares Health Professionals Bank home loan products by comparison rate. A verified Health Professionals Bank product example is Your Way Basic Home Loan 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.48% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. A verified Health Professionals Bank product example is Your Way Plus 3 Year Fixed Owner Occupied 80% - 90% LVR P&I: 7.09% p.a. (7.18% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 80% to 90%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. Compare Health Professionals Bank against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
What is the lowest Health Professionals Bank home loan rate?
A verified Health Professionals Bank product example is Your Way Basic Home Loan 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.48% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. A verified Health Professionals Bank product example is Your Way Plus 3 Year Fixed Owner Occupied 80% - 90% LVR P&I: 7.09% p.a. (7.18% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 80% to 90%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. These selected examples do not establish the lowest rate across every product or borrower scenario.
How many home loan products does Health Professionals Bank offer?
Ratesniffers currently tracks 345 Health Professionals Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 60 that pass our data-quality checks on this page. 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 P&I | 6.19% p.a. | 6.23% p.a. | 60% |
| Fixed 1-year Owner-occupier P&I | 6.39% p.a. | n/a | 98% |
| Variable Owner-occupier P&I | 6.19% p.a. | 6.47% p.a. | 60% |
| Variable Owner-occupier P&I | 6.44% p.a. | 6.48% p.a. | 70% |
| Variable Owner-occupier P&I | 6.44% p.a. | 6.48% p.a. | 80% |
| Variable Owner-occupier P&I | 6.44% p.a. | 6.48% p.a. | 98% |
| Fixed 1-year Owner-occupier P&I | 6.39% p.a. | 6.49% p.a. | 60% |
| Variable Owner-occupier interest-only | 6.49% p.a. | n/a | 60% |
| Variable Owner-occupier interest-only | 6.49% p.a. | n/a | 60% |
| Fixed 1-year Owner-occupier P&I | 6.49% p.a. | 6.26% p.a. | 95% |
| Fixed 1-year Owner-occupier P&I | 6.49% p.a. | 6.26% p.a. | 98% |
| Variable Investor P&I | 6.49% p.a. | 6.53% p.a. | 60% |
60 of 345 tracked Health Professionals Bank home loan products
Health Professionals BankYour Way Plus 1 Year Fixed Owner Occupied >90% LVR P&I (5% Deposit Scheme)
1y FixedOffsetRedraw
Interest
6.39%p.a.
Comparison*
Not available
Est. repayment
$3,124
LVR 90 to 98%
Interest
6.19%p.a.
Comparison*
6.47%p.a.
Est. repayment
$3,059
LVR ≤60%
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Est. repayment
$3,141
LVR 60 to 70%
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Health Professionals BankYour Way Basic Home Loan Owner Occupied P&I (5% Deposit Scheme)
VariableRedraw
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Est. repayment
$3,141
LVR ≤98%
Interest
6.39%p.a.
Comparison*
6.49%p.a.
Est. repayment
$3,124
LVR ≤60%
Interest
6.49%p.a.
Comparison*
Not available
Est. interest only / month
$2,704
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.49%p.a.
Comparison*
Not available
Est. interest only / month
$2,704
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.49%p.a.
Comparison*
6.26%p.a.
Est. repayment
$3,157
LVR ≤95%
Interest
6.49%p.a.
Comparison*
6.26%p.a.
Est. repayment
$3,157
LVR ≤98%
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Est. repayment
$3,157
LVR ≤60%
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Est. repayment
$3,157
LVR 60 to 70%
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Est. repayment
$3,157
LVR 70 to 80%
Interest
6.59%p.a.
Comparison*
Not available
Est. interest only / month
$2,746
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.59%p.a.
Comparison*
Not available
Est. interest only / month
$2,746
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.64%p.a.
Comparison*
Not available
Est. interest only / month
$2,767
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Health Professionals BankYour Way Plus 1 Year Fixed Owner Occupied 60% - 70% LVR IO
1y FixedOffsetRedraw
Interest
6.64%p.a.
Comparison*
Not available
Est. interest only / month
$2,767
LVR 60 to 70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Health Professionals BankYour Way Plus 1 Year Fixed Owner Occupied 70% - 80% LVR IO
1y FixedOffsetRedraw
Interest
6.64%p.a.
Comparison*
Not available
Est. interest only / month
$2,767
LVR 70 to 80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.64%p.a.
Comparison*
6.55%p.a.
Est. repayment
$3,207
LVR ≤95%
Interest
6.69%p.a.
Comparison*
Not available
Est. interest only / month
$2,788
LVR 60 to 70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.69%p.a.
Comparison*
Not available
Est. interest only / month
$2,788
LVR 60 to 70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.69%p.a.
Comparison*
Not available
Est. interest only / month
$2,788
LVR 60 to 70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.69%p.a.
Comparison*
Not available
Est. interest only / month
$2,788
LVR 60 to 70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Health Professionals BankYour Way Plus 1 Year Fixed Owner Occupied 60% - 70% LVR P&I
1y FixedOffsetRedraw
Interest
6.39%p.a.
Comparison*
6.71%p.a.
Est. repayment
$3,124
LVR 60 to 70%
Health Professionals BankYour Way Plus 1 Year Fixed Owner Occupied 70% - 80% LVR P&I
1y FixedOffsetRedraw
Interest
6.39%p.a.
Comparison*
6.71%p.a.
Est. repayment
$3,124
LVR 70 to 80%
Health Professionals BankYour Way Plus Owner Occupied >90% LVR P&I (5% Deposit Scheme)
VariableOffsetRedraw
Interest
6.44%p.a.
Comparison*
6.72%p.a.
Est. repayment
$3,141
LVR 90 to 98%
Interest
6.44%p.a.
Comparison*
6.72%p.a.
Est. repayment
$3,141
LVR 60 to 70%
Interest
6.44%p.a.
Comparison*
6.72%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.74%p.a.
Comparison*
6.58%p.a.
Est. repayment
$3,240
LVR ≤60%
Interest
6.74%p.a.
Comparison*
Not available
Est. interest only / month
$2,808
LVR ≤95%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Health Professionals BankYour Way Plus 2 Year Fixed Owner Occupied >90% LVR P&I (5% Deposit Scheme)
2y FixedOffsetRedraw
Interest
6.74%p.a.
Comparison*
Not available
Est. repayment
$3,240
LVR 90 to 98%
Interest
6.49%p.a.
Comparison*
6.77%p.a.
Est. repayment
$3,157
LVR ≤60%
Interest
6.49%p.a.
Comparison*
6.77%p.a.
Est. repayment
$3,157
LVR 60 to 70%
Interest
6.49%p.a.
Comparison*
6.77%p.a.
Est. repayment
$3,157
LVR 70 to 80%
Interest
6.54%p.a.
Comparison*
6.77%p.a.
Est. repayment
$3,174
LVR ≤60%
Health Professionals BankYour Way Plus 1 Year Fixed Investment 60% - 70% LVR P&I
1y FixedOffsetRedraw
Interest
6.54%p.a.
Comparison*
6.77%p.a.
Est. repayment
$3,174
LVR 60 to 70%
Health Professionals BankYour Way Plus 1 Year Fixed Investment 70% - 80% LVR P&I
1y FixedOffsetRedraw
Interest
6.54%p.a.
Comparison*
6.77%p.a.
Est. repayment
$3,174
LVR 70 to 80%
Health Professionals BankYour Way Plus 2 Year Fixed Owner Occupied 60% - 70% LVR P&I
2y FixedOffsetRedraw
Interest
6.74%p.a.
Comparison*
6.78%p.a.
Est. repayment
$3,240
LVR 60 to 70%
Health Professionals BankYour Way Plus 2 Year Fixed Owner Occupied 70% - 80% LVR P&I
2y FixedOffsetRedraw
Interest
6.74%p.a.
Comparison*
6.78%p.a.
Est. repayment
$3,240
LVR 70 to 80%
Interest
6.79%p.a.
Comparison*
Not available
Est. interest only / month
$2,829
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.79%p.a.
Comparison*
Not available
Est. interest only / month
$2,829
LVR 60 to 70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.79%p.a.
Comparison*
Not available
Est. interest only / month
$2,829
LVR 70 to 80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.79%p.a.
Comparison*
Not available
Est. interest only / month
$2,829
LVR 70 to 80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.79%p.a.
Comparison*
Not available
Est. interest only / month
$2,829
LVR 70 to 80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.79%p.a.
Comparison*
Not available
Est. interest only / month
$2,829
LVR 70 to 80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.79%p.a.
Comparison*
Not available
Est. interest only / month
$2,829
LVR 70 to 80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.69%p.a.
Comparison*
6.81%p.a.
Est. repayment
$3,223
LVR ≤60%
Health Professionals BankYour Way Plus 2 Year Fixed Investment 60% - 70% LVR P&I
2y FixedOffsetRedraw
Interest
6.69%p.a.
Comparison*
6.81%p.a.
Est. repayment
$3,223
LVR 60 to 70%
Health Professionals BankYour Way Plus 2 Year Fixed Investment 70% - 80% LVR P&I
2y FixedOffsetRedraw
Interest
6.69%p.a.
Comparison*
6.81%p.a.
Est. repayment
$3,223
LVR 70 to 80%
Health Professionals BankYour Way Plus 1 Year Fixed Owner Occupied 80% - 90% LVR IO
1y FixedOffsetRedraw
Interest
6.84%p.a.
Comparison*
Not available
Est. interest only / month
$2,850
LVR 80 to 90%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.84%p.a.
Comparison*
6.65%p.a.
Est. repayment
$3,273
LVR ≤60%
Health Professionals BankYour Way Plus 3 Year Fixed Owner Occupied 60% - 70% LVR P&I
3y FixedOffsetRedraw
Interest
6.84%p.a.
Comparison*
6.83%p.a.
Est. repayment
$3,273
LVR 60 to 70%
Health Professionals BankYour Way Plus 3 Year Fixed Owner Occupied 70% - 80% LVR P&I
3y FixedOffsetRedraw
Interest
6.84%p.a.
Comparison*
6.83%p.a.
Est. repayment
$3,273
LVR 70 to 80%
Health Professionals BankYour Way Plus 3 Year Fixed Owner Occupied >90% LVR P&I (5% Deposit Scheme)
3y FixedOffsetRedraw
Interest
6.84%p.a.
Comparison*
Not available
Est. repayment
$3,273
LVR 90 to 98%
Interest
6.79%p.a.
Comparison*
6.85%p.a.
Est. repayment
$3,256
LVR ≤60%
Health Professionals BankYour Way Plus 3 Year Fixed Investment 60% - 70% LVR P&I
3y FixedOffsetRedraw
Interest
6.79%p.a.
Comparison*
6.85%p.a.
Est. repayment
$3,256
LVR 60 to 70%
Health Professionals BankYour Way Plus 3 Year Fixed Investment 70% - 80% LVR P&I
3y FixedOffsetRedraw
Interest
6.79%p.a.
Comparison*
6.85%p.a.
Est. repayment
$3,256
LVR 70 to 80%
Interest
6.84%p.a.
Comparison*
6.88%p.a.
Est. repayment
$3,273
LVR 80 to 90%
Interest
6.89%p.a.
Comparison*
Not available
Est. interest only / month
$2,871
LVR 80 to 90%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
*Important Information and Comparison Rate Warning
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
Health Professionals Bank home loan repayment calculator
The starting interest input uses this selected Health Professionals Bank product example: Your Way Basic Home Loan 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.48% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. Change the loan amount, rate or term to model your own mortgage. Repayments are principal and interest estimates, assume the entered rate remains unchanged, and exclude fees. Changes to these inputs do not establish product eligibility or approval.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The amount you want to borrow.
Use the interest rate, not the comparison rate. Change it to model an actual offer or your own scenario.
Use the term in your offer or choose the number of years to model.
Monthly repayment
$3,141
Fortnightly repayment
$1,450
Total interest
$630,629
30 years at 6.44% (P&I)
For a fuller model, use the repayment calculator, see how extra payments change the balance with the extra repayments calculator, or check what you can borrow with the borrowing power calculator.
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 over $14.2 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 3 September 2026. Rates above refresh independently.
Health Professionals Bank fees, offset and limits at a glance
- Application or establishment fee
- $0
- Discharge fee
- $250
- Settlement fee
- $250
- Additional valuation fee
- $0
- Rate lock fee
- 0.10% of the loan amount
- Loan portability
- $200 security variation fee. At cost for discharge, title searches, registration and transfers
- Offset account
- 100% offset available on up to 8 eligible linked offset accounts.…
- Minimum offset balance
- No minimum balance
- Lenders mortgage insurer
- Helia
- Capitalising LMI
- LMI can be capitalised to the loan
- Maximum total lending
- $5m total aggregate per borrower
- Extra repayments on fixed
- Your Way Fixed Home Loan, no additional repayments permitted.…
- When the fixed rate is locked
- Rate is locked for 90 days from date of application
Checked 8 Oct 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
Sources checked 3 September 2026: Teachers Mutual Bank Ltd, About us.
Health Professionals Bank home loans: frequently asked questions
What are Health Professionals Bank home loan rates?
Ratesniffers compares Health Professionals Bank home loan products by comparison rate. A verified Health Professionals Bank product example is Your Way Basic Home Loan 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.48% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. A verified Health Professionals Bank product example is Your Way Plus 3 Year Fixed Owner Occupied 80% - 90% LVR P&I: 7.09% p.a. (7.18% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 80% to 90%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. Compare Health Professionals Bank at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments, use /calculators/extra-repayment.
What is the lowest Health Professionals Bank home loan rate?
A verified Health Professionals Bank product example is Your Way Basic Home Loan 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.48% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. A verified Health Professionals Bank product example is Your Way Plus 3 Year Fixed Owner Occupied 80% - 90% LVR P&I: 7.09% p.a. (7.18% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 80% to 90%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. These selected examples do not establish the lowest rate across every product or borrower scenario.
What is the monthly repayment on a $600,000 Health Professionals Bank home loan?
For a hypothetical $600,000 principal-and-interest loan over 30 years, keeping this variable interest rate unchanged gives about $3,769 a month before fees. The selected source example is Your Way Basic Home Loan 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.48% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. Variable rates can change; this calculation does not establish eligibility or approval. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. Use /calculators/repayment to model your own amount and term.
How much do you need to earn for a $500,000 Health Professionals Bank home loan?
There is no single salary requirement for a Health Professionals Bank home loan. The lender assesses income, expenses, debts and repayment capacity. APRA's residential mortgage framework generally requires governed authorised deposit-taking institutions to apply a minimum 3 percentage point buffer above the payable interest rate, ignoring temporary introductory discounts, with prudent limited policy exceptions. This does not establish Health Professionals Bank's actual assessment rate or approval criteria. Confirm the applicable lender policy and use /calculators/income-required for an illustrative estimate, not approval.
How does Health Professionals Bank's home loan rate compare to the market?
A verified Health Professionals Bank product example is Your Way Basic Home Loan 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.48% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. Across 30 covered listed lenders, the median advertised interest rate of one selected owner-occupier principal-and-interest variable example per lender at 80% LVR is 6.44% p.a., as of 20 October 2026. This describes those selected examples, not the whole market or rates approved for borrowers. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
How many home loan products does Health Professionals Bank offer?
Ratesniffers currently tracks 345 Health Professionals Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 60 that pass our data-quality checks on this page. Every rate is checked daily against each lender's current published pricing 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?
Compare Health Professionals Bank's available product conditions and total costs with your existing loan. A listed rate does not establish refinance eligibility. Allow for discharge, establishment and any fixed-loan early repayment costs, and confirm applicable lender terms before switching. Compare the table with /home-loans/refinance.
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 November 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.