Health Professionals Bank
Your Way Plus Home Loan Investor
Get flexibility for your investment PLUS take advantage of our package benefits with special low rates and much more.
Home loansBank updated 11 Sept 2026
At a glance
- Variable (investor P&I)
- 6.24%
- Max LVR
- 98%
- Annual fee
- $300
- Features
- offset, redraw, extra repayments
§ 01 — Rates · 5
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableComparison 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 may not include all fees… | Investment · P&I | — | 0–60% LVR | 6.24% | 6.54% | — |
| VariableComparison 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 may not include all fees… | Investment · P&I | — | 60–70% LVR | 6.24% | 6.54% | — |
| VariableComparison 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 may not include all fees… | Investment · P&I | — | 70–80% LVR | 6.24% | 6.54% | — |
| VariableComparison 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 may not include all fees… | Investment · P&I | — | 80–90% LVR | 6.74% | 7.03% | — |
| VariableComparison 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 may not include all fees… | Investment · P&I | — | 90–98% LVR | 7.09% | 7.38% | — |
§ 02 — Fees · 13
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| ADDITIONAL_SECURITY_FEE | Event | $120 | — | Fee applies for each additional security taken. |
| DEFAULT_NOTICE_FEE | Event | $25 | — | Payable when we send you a default notice asking you to remedy a default under your credit contract. |
| LOAN_VARIATION_FEE | Event | $200 | — | Payable when you apply to vary the terms of your loan. Payable when the variation is agreed between us. |
| MORTGAGE_DISCHARGE | Exit | $250 | — | For preparation of discharge documentation on your written request. $250 in NSW and at cost in other states. At Cost. |
| COLLECTION_CHARGES | Other | $0 to $9,999,999 | — | 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. |
| PACKAGE_FEE-HOME_LOANS | Periodic | $300 | Every 1 yr | 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… |
| TITLE_SEARCH | Transaction | $1 | — | 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. |
| FEE_FOR_FULL_VALUATION | Upfront | $0 to $400 | — | 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… |
| LEGAL_FEES | Upfront | $0 to $9,999,999 | — | At cost. For third party professional services used in the preparation of non-standard documents. At Cost. |
| LENDERS_MORTGAGE_INSURANCE | Upfront | $0 to $9,999,999 | — | 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. |
| LOAN_ADMINISTRATION_FEE | Upfront | $250 | — | 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. |
| REGISTRATION_FEE | Upfront | $0 to $9,999,999 | — | 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. |
| STAMP_DUTY | Upfront | $0 to $9,999,999 | — | 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… |
§ 03 — 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
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Individuals must be citizens of permanent residents of Australia.
- · Available to individuals
- · Amount $150,000 to 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.
§ 05 — Compare
§ 06 — Run the numbers
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Published by Health Professionals Bank under the Consumer Data Right, last changed by them on 11 Sept 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.