Have it Your Way Plus
Our home loan package offers a specially discounted rate just for health professionals^.
Why refinance with us?
100% offset
Make the most of your savings with 100% offset on your home loan package.4
Discounted rates for eligible essential workers^
See how much you could save with our special discounted rates.
Fixed or variable rate loan options
Flexible options for the home loan that suits you best.
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Your Way Plus Home Loan
Get flexibility for your home loan PLUS our package benefits. If you’re an Essential worker^ you’ll get access to the discounted rate below. Higher rates apply for persons who are not Essential workers^.
Learn more
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Your Way Plus Essential Worker^ variable rate (Owner, P&I, LVR up to 60%)
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Your Way Plus Essential Worker^ comparison rate (Owner, P&I, LVR up to 60%)
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Discounted Variable rates for life of the loan
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Establishment fee waived (normally $600)
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Flexibility to make additional repayments on variable rate loans and up to $10k per anniversary year on fixed rate loans
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100% Offset facility so you can pay your loan down faster
Your Way Plus Essential Worker^ variable rate (Owner, P&I, LVR up to 60%)
Your Way Plus Essential Worker^ comparison rate (Owner, P&I, LVR up to 60%)
Speak to a home loan specialist.
We can help.
Speak to a Lending Specialist
We can visit you at home, call you on the phone, or speak to you on a video call.
Apply
Complete an online application to fast track your home loan financing.
Easy steps to refinancing
Have a chat
Tell us about you and your current loan so we can let you know what you can save by switching, and how much you can borrow.
Choose your options
Take a look at our home loan options and we'll help you find the right loan. We’re flexible to suit your needs – you can have a no-frills basic variable loan, or add an offset facility, redraw facility, or both.
Make the leap
A Lending Specialist will be in touch to finalise your loan. Our lenders will help you take the next steps to discharge your existing home loan from your other bank.
Top tips for refinancing
Set your goals for refinancing.
Find out if you’re eligible to join Health Professionals Bank. It’s open to current or retired employees of the Australian health sector and their families.
Use our calculators to compare two loans or see your savings with an offset facility.
Calculate how much you can save with an offset
Speak to us today
Refinancing may be all about the savings, but it’s important to do your sums to make sure you will be better off overall with your new loan. You can find more information at our Home Loan Resource Centre (and or borrowing power calculator) or, if you want to ask a real person some questions, make an enquiry with one of our Lending Specialists.
Important information
1 Eligibility criteria apply to join Teachers Mutual Bank Limited. Fees and charges and lending criteria apply. Consumer lending terms and conditions available here.
2 We include 100% of regular overtime for nurses (or nursing professionals) when assessing your application. Regular overtime proven over 3 months. Other credit criteria apply.
3 The Your Way Plus is available as a package home loan with package benefits. A package fee is payable annually. For further details see Package Terms and conditions.
4 If your loan has an offset facility, terms and conditions for the mortgage offset facility are set out in our Consumer lending terms and conditions and Conditions of use Accounts and access. For more information refer to Mortgage Offset section of our website.
5 Mobile Lenders: Please check details of availability in your area.