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?
Health Professionals Bank home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 5.99% p.a. and the lowest fixed rate currently 6.39% p.a., checked daily (last verified 19 Sept 2026). 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?
The lowest Health Professionals Bank variable home loan rate Ratesniffers tracks is 5.99% p.a., and the lowest fixed rate is 6.39% p.a. These figures come from the 345 Health Professionals Bank products on this page, ranked by comparison rate, checked daily (last verified 19 Sept 2026).
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. 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.
345 Health Professionals Bank home loan products
No active products surfaced. This lender may have paused new lending or recently been removed from our index, check back tomorrow.
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 4 Sept 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
Health Professionals Bank home loans: frequently asked questions
What are Health Professionals Bank home loan rates?
Health Professionals Bank home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 5.99% p.a., and the lowest fixed rate is 6.39% p.a., checked daily (last verified 19 Sept 2026). Compare Health Professionals Bank against the wider market at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments on a Health Professionals Bank balance, use /calculators/extra-repayment.
What is the lowest Health Professionals Bank home loan rate?
Health Professionals Bank's lowest variable home loan rate is currently 5.99% p.a., and its lowest fixed rate is 6.39% p.a., based on the 345 Health Professionals Bank products Ratesniffers ranks by comparison rate, checked daily (last verified 19 Sept 2026). The advertised rate isn't always the rate Health Professionals Bank approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 Health Professionals Bank home loan?
At Health Professionals Bank's lowest variable rate of 5.99% p.a., a $600,000 principal and interest loan over 30 years repays about $3,593 a month, and $500,000 about $2,995. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 Health Professionals Bank home loan?
There is no single salary. Like every Australian lender, Health Professionals Bank must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 5.99% p.a. is assessed at about 8.99% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
How does Health Professionals Bank's home loan rate compare to the market?
Health Professionals Bank's lowest variable home loan rate today is 5.99% p.a., which is 25 basis points below the market median of 6.24% p.a., which puts Health Professionals Bank among the more competitive lenders on variable rates today. 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 345 Health Professionals Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors. 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?
It depends on your loan size and LVR. Health Professionals Bank's lowest comparison rate is currently 6.03% 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 19 Sept 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.
