The Finance Algorithm
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Your Way Plus Fixed Home Loan Investor

Get flexibility for your investment PLUS take advantage of our package benefits with special low rates and much more. Lock in a rate for up to 5 years.

Home loansBank updated 8 Oct 2026
Apply at Health Professionals Bank ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Max LVR
98%
Annual fee
$300
Features
offset, redraw, extra repayments

Rates

Every rate Health Professionals Bank publishes for this home loan, 20 in all.

Variable and fixed, at 80% LVR

Investment, principal and interest, the lowest rate for each

  1. 1 yr fixed6.54%
  2. 2 yrs fixed6.69%
  3. 3 yrs fixed6.79%
  4. 4 yrs fixed6.99%
  5. 5 yrs fixed7.04%
This home loan
TypeApplies toTermBandRateComparisonConditions
FixedFixed rate for 1 year. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and m…Investment, P&I1 yr fixed0–60% LVR6.54%6.79%-
FixedFixed rate for 1 year. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and m…Investment, P&I1 yr fixed60–80% LVR6.54%6.79%-
FixedFixed rate for 1 year. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and m…Investment, P&I1 yr fixed80–90% LVR6.64%7.24%-
FixedFixed rate for 1 year. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and m…Investment, P&I1 yr fixed90–98% LVR6.89%7.58%-
FixedFixed rate for 2 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and…Investment, P&I2 yrs fixed0–60% LVR6.69%6.83%-
FixedFixed rate for 2 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and…Investment, P&I2 yrs fixed60–80% LVR6.69%6.83%-
FixedFixed rate for 2 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and…Investment, P&I2 yrs fixed80–90% LVR7.04%7.29%-
FixedFixed rate for 2 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and…Investment, P&I2 yrs fixed90–98% LVR7.19%7.60%-
FixedFixed rate for 3 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and…Investment, P&I3 yrs fixed0–60% LVR6.79%6.87%-
FixedFixed rate for 3 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and…Investment, P&I3 yrs fixed60–80% LVR6.79%6.87%-
FixedFixed rate for 3 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and…Investment, P&I3 yrs fixed80–90% LVR7.04%7.30%-
FixedFixed rate for 3 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and…Investment, P&I3 yrs fixed90–98% LVR7.24%7.63%-
FixedFixed rate for 4 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and…Investment, P&I4 yrs fixed0–60% LVR6.99%6.97%-
FixedFixed rate for 4 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and…Investment, P&I4 yrs fixed60–80% LVR6.99%6.97%-
FixedFixed rate for 4 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and…Investment, P&I4 yrs fixed80–90% LVR7.29%7.40%-
FixedFixed rate for 4 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and…Investment, P&I4 yrs fixed90–98% LVR7.34%7.63%-
FixedFixed rate for 5 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and…Investment, P&I5 yrs fixed0–60% LVR7.04%7.03%-
FixedFixed rate for 5 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and…Investment, P&I5 yrs fixed60–80% LVR7.04%7.03%-
FixedFixed rate for 5 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and…Investment, P&I5 yrs fixed80–90% LVR7.39%7.46%-
FixedFixed rate for 5 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and…Investment, P&I5 yrs fixed90–98% LVR7.49%7.70%-

Rate changes

16 changes logged, newest first.

DateRateWasNowChange
27 Sept 2026Fixed, Investment, P&I, 2 yrs fixed, 0–60% LVR6.39%6.69%up 0.30
27 Sept 2026Fixed, Investment, P&I, 2 yrs fixed, 60–80% LVR6.39%6.69%up 0.30
27 Sept 2026Fixed, Investment, P&I, 2 yrs fixed, 80–90% LVR6.74%7.04%up 0.30
27 Sept 2026Fixed, Investment, P&I, 2 yrs fixed, 90–98% LVR6.89%7.19%up 0.30
27 Sept 2026Fixed, Investment, P&I, 3 yrs fixed, 0–60% LVR6.49%6.79%up 0.30
27 Sept 2026Fixed, Investment, P&I, 3 yrs fixed, 60–80% LVR6.49%6.79%up 0.30
27 Sept 2026Fixed, Investment, P&I, 3 yrs fixed, 80–90% LVR6.74%7.04%up 0.30
27 Sept 2026Fixed, Investment, P&I, 3 yrs fixed, 90–98% LVR6.94%7.24%up 0.30
27 Sept 2026Fixed, Investment, P&I, 4 yrs fixed, 0–60% LVR6.69%6.99%up 0.30
27 Sept 2026Fixed, Investment, P&I, 4 yrs fixed, 60–80% LVR6.69%6.99%up 0.30
27 Sept 2026Fixed, Investment, P&I, 4 yrs fixed, 80–90% LVR6.99%7.29%up 0.30
27 Sept 2026Fixed, Investment, P&I, 4 yrs fixed, 90–98% LVR7.04%7.34%up 0.30
27 Sept 2026Fixed, Investment, P&I, 5 yrs fixed, 0–60% LVR6.74%7.04%up 0.30
27 Sept 2026Fixed, Investment, P&I, 5 yrs fixed, 60–80% LVR6.74%7.04%up 0.30
27 Sept 2026Fixed, Investment, P&I, 5 yrs fixed, 80–90% LVR7.09%7.39%up 0.30
27 Sept 2026Fixed, Investment, P&I, 5 yrs fixed, 90–98% LVR7.19%7.49%up 0.30

Each change is logged the night it appears in the rates Health Professionals Bank publishes. See how every lender answered the RBA on the rate tracker.

Fees

15 fees published, grouped by when they're charged.

  1. When you take it outUp to $2507 fees, each listed below
  2. While you hold it$300 a yearPACKAGE_FEE-HOME_LOANS
  3. When you close it or pay it offUp to $2502 fees, each listed below

When you take it out7

  • FEE_FOR_FULL_VALUATION

    At cost. A Full Valuation is where our external valuer physically attends the property to be mortgaged. The mortgage is our security for the loan. If we require a Full Valuation for more than one pro…

    $0 to $400
  • FIXED_RATE_LOCK_FEE

    Payable if you choose to lock in an interest rate on your fixed rate loan. The interest rate is locked in for a period of up to 90 days from the date of application. The fee is applicable regardless…

    0.15% of balance
  • LEGAL_FEES

    At cost. For third party professional services used in the preparation of non-standard documents. At Cost.

    $0 to $9,999,999
  • LENDERS_MORTGAGE_INSURANCE

    At cost. If you have less than the required deposit, we may ask you to pay Lender's Mortgage Insurance (LMI). LMI protects the bank in cases of default. The LMI premium is not a bank fee. At Cost.

    $0 to $9,999,999
  • LOAN_ADMINISTRATION_FEE

    Payable for the processing and assessing of your home loan application and the preparation of your loan. Payable at the time of settlement/funding of your loan.

    $250
  • REGISTRATION_FEE

    At cost. A government charge, payable if and when there is a need to register, transfer or discharge an interest on the Certificate of Title. At Cost.

    $0 to $9,999,999
  • STAMP_DUTY

    At cost. A government charge payable to State revenue office when we need to stamp your mortgage to accommodate credit provided under this contract at the amount payable under the relevant stamp duty…

    $0 to $9,999,999

While you hold it1

  • PACKAGE_FEE-HOME_LOANS

    Applicable for New loans after 1 August 2019. The package fee for your home loan will be debited from the nominated Everyday Direct account when your home loan is first approved and then on every ann…

    $300 a year

When you make a transaction1

  • TITLE_SEARCH

    Fee applies for additional title searches that may be required in addition to those already included in the Establishment fee and Top up fee. At Cost.

    $1

When particular things happen3

  • ADDITIONAL_SECURITY_FEE

    Fee applies for each additional security taken.

    $120
  • DEFAULT_NOTICE_FEE

    Payable when we send you a default notice asking you to remedy a default under your credit contract.

    $25
  • LOAN_VARIATION_FEE

    Payable when you apply to vary the terms of your loan. Payable when the variation is agreed between us.

    $200

When you close it or pay it off2

  • BREAK_FEE_(HOME_LOAN)

    At cost. Payable on early repayment i.e. during the fixed rate period if you repay the loan in full, you repay part of the loan (except where additional payment threshold applies), you switch from th…

    $0 to $9,999,999
  • MORTGAGE_DISCHARGE

    For preparation of discharge documentation on your written request. $250 in NSW and at cost in other states. At Cost.

    $250

Other fees1

  • COLLECTION_CHARGES

    At cost. Payable when we request an agent to assist our efforts to address defaults under your contract before we can commence legal action. At Cost.

    $0 to $9,999,999

Features

Offset accountRedrawExtra repaymentsGuarantor optionDigital banking
  • Ability to split loan
  • Ability to switch loan
  • Ability to Top Up
  • Borrow up to 90% of the property value prior to capitalisation of Lenders Mortgage Insurance
  • Flexible repayments
  • Discounted Variable rates for life of the loan

Eligibility and limits

  • Minimum age 18
  • Residency: Individuals must be citizens of permanent residents of Australia.
  • Available to individuals
  • Amount from $150,000, no maximum
  • Maximum LVR 98%
  • You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. sh…
  • All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Consumer Lending terms and conditions online or from any of our offices.
  • Borrower must have satisfied Your Way Plus Home Loan Package eligibility.

Published by Health Professionals Bank under the Consumer Data Right, last changed by them on 8 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.