Compare owner occupier home loans

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Details
Who is this loan for?
Who is this loan for?	A low-rate home loan that keeps it simple. Suitable for owner occupiers. Learn more	Suitable for loan amounts over $150,000 and offers a discounted rate. Learn more View rates	Designed specially to help first home buyers achieve their dream of home ownership. Learn more	Lock in a rate for up to 5 years. Plus enjoy knowing exactly how much you will be paying each month. Learn more	A perfect choice for a new home with the choice of either fixed or variable interest. Learn more	Used for owner occupied purchases, vacant land, renovations, or any worthwhile purpose. Learn more
Applicants must be eligible for the Rewards Package
Applicants must be eligible for the Rewards Package
Rates and fees
Interest rate
Interest rate	1-year Special interest rate (Owner Occupier) 2 .55 % pa Classic Home Loan interest rate (Owner Occupier) 3 .04 % pa		Interest rate 4 .16 % pa	Featured Interest Rate - 3 Year Fixed 2 .19 % pa Interest Rate - 1 Year Fixed 2 .19 % pa Interest Rate - 2 Year Fixed 2 .19 % pa Interest Rate - 4 Year Fixed 2 .79 % pa Interest Rate - 5 Year Fixed 2 .79 % pa	Interest rate - variable 4 .52 % pa	Interest rate 4 .37 % pa
Comparison rate
Comparison rate	1-year Special Comparison rate (Owner Occupier) 3 .04 % pa Classic Home Loan Comparison rate (Owner Occupier) 3 .08 % pa		Comparison rate 4 .16 % pa**	Featured Comparison Rate - 3 Year Fixed 3 .85 % pa Comparison Rate - 1 Year Fixed 4 .21 % pa Comparison Rate - 2 Year Fixed 4 .02 % pa Comparison Rate - 4 Year Fixed 3 .88 % pa Comparison Rate - 5 Year Fixed 3 .77 % pa**	Comparison rate - variable 4 .47 % pa**	Comparison rate 4 .41 % pa**
Interest Rate Effective Date
Interest Rate Effective Date	Interest rates effective 1 April 2020	Interest rates effective 1 April 2020	Interest rates effective 1 April 2020	Interest rates effective 7 May 2020 and are for Owner Occupied Loans with Principal and Interest repayments.	Interest rates effective 1 April 2020	Interest rates effective 1 April 2020
Interest Rate Type
Interest Rate Type	Variable (after first 12 months)	Variable	Variable	Fixed up to 5 years	Variable	Variable
Repayment Type
Repayment Type	Principal and interest	Principal and interest and interest only	Principal and interest and interest only	Principal and interest	Interest only	Principal and interest
Maximum Amount
Maximum Amount	Borrow up to 80% of the property value	Borrow up to 95% of the property value including Lenders Mortgage Insurance (80% without)	Borrow up to 95% for the purpose of construction of an Owner Occupied dwelling including Lenders Mortgage Insurance (loan must revert to P&I upon completion of construction	Borrow up to 95% of the property value*	Borrow up to 95% for the purpose of construction of an Owner Occupied dwelling including Lenders Mortgage Insurance (loan must revert to P&I upon completion of construction)	Borrower up to 95% of the property value including Lenders Mortgage Insurance (80% without)
Establishment Fee
Establishment Fee	$ 600	$ 600	$0	$ 600	$ 600	$ 600
Rewards Package Fee
Rewards Package Fee	n/a	$ 300 (annual)	n/a	n/a	n/a	n/a
Settlement Attendance Fee
Settlement Attendance Fee	n/a	n/a	n/a	n/a	n/a	n/a

To become a member, you'll need:

To be an Australian citizen or permanent resident
18 years old or over
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Identification
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Account details to purchase your share in the bank

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**Comparison rate warning
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 may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

*Important information

Eligibility criteria apply to join Health Professionals Bank. Fees and charges and lending criteria apply. Consumer lending terms and conditions available here.

Fixed Rate Home Loan: Loan to value restrictions are applicable to fixed rate home loans with Lenders Mortgage Insurance.

Redraw is subject to application and registration and is not available when a fixed rate applies to any part of the loan.

Repayment Pause is not available on all loan products and is subject to application and approval. Refer to Consumer Lending Terms and Conditions for full details.

^*Lenders Mortgage Insurance, or LMI, insures the lender in the event that the borrower defaults on the mortgage. It does not insure the borrower. Borrowers must still meet lending eligibility criteria for both the lender and the LMI provider.

The Responsible Investment Association Australasia (RIAA)

Retail mortgages and deposits have been certified by RIAA according to the strict operational and disclosure practices required under the Responsible Investment Certification Program. See www.responsibleinvestment.org for details. The Responsible Investment Certification Program does not constitute financial product advice. Neither the Certification Symbol nor RIAA recommends to any person that any financial product is a suitable investment or that returns are guaranteed. Appropriate professional advice should be sought prior to making an investment decision. RIAA does not hold an Australian Financial Services Licence.

Compare owner occupier home loans

See how our loans compare to each other.

To become a member, you'll need:

The Responsible Investment Association Australasia (RIAA)

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