A specially discounted rate for health professionals


Your Way Plus Home Loan

Get flexibility, PLUS access to package benefits with special low rates and more.

Package home loans can be used as owner occupier or construction loans and offer great benefits.
  • Essential Worker
    Your Way Plus Home Loan

    If you’re an Essential worker^, you’ll get the whole package PLUS access to special low rates and benefits.

    • 6 .44
      pa %
      Your Way Plus Essential Worker^ variable rate (Owner, P&I, LVR up to 60%)
    • 6 .74
      pa** %
      Your Way Plus Essential Worker^ comparison rate (Owner, P&I, LVR up to 60%)
    • PLUS extra 0.05% p.a. discount for essential workers^ (Variable rate only)
    • PLUS annual fee for essential workers^ first home buyers waived
  • Your Way Plus Home Loan

    Get flexibility for your home loan PLUS take advantage of our package benefits with discounted rates and much more.

    • 6 .49
      pa %
      Your Way Plus Home Loan variable rate (Owner, P&I, LVR up to 60%)
    • 6 .79
      pa** %
      Your Way Plus Home Loan comparison rate (Owner, P&I, LVR up to 60%)
    • Discounted Variable rates for life of the loan
    • Establishment fee waived (normally $600)
    • Flexibility to make additional repayments on variable rate loans and up to $10k per anniversary year on fixed rate loans
    • 100% Offset facility so you can pay your loan down faster

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About this home loan



Owner occupied and construction

Maximum Amount

Up to 90% of the property value prior to the capitalisation of Lenders Mortgage Insurance where the purpose is construction

Up to 90% of the property value including Lenders Mortgage Insurance where any part of the loan has a fixed rate component

Up to 95% of the property value including Lenders Mortgage Insurance where all of the loan is on a variable rate (i.e. with no fixed rate component)

Up to 98% of the property value for loans under the Home Guarantee Scheme  (depending on scheme type)

Repayment type

Principal and interest and Interest only 

Interest rate type

Variable and/or fixed up to 5 years

Interest calculated

Daily, charged monthly

Construction loan

Yes– variable rate only

Establishment fee

$0 (Usually $600)

Annual fee

$300. Waived for essential worker^ first home buyers.

Additional repayments

Yes. Fixed rate products – repayment capped at $10k per anniversary year.

Offset facility

Yes. Available to both variable and fixed rate loans.


Yes – fee free. Includes both variable and fixed rate loans.

Split loan


Top up


Interest rates effective 9 May 2024 for new business only.


For full details of our fees, please review the Fees and Charges brochure.

Download the Fees and Charges brochure [PDF]


More information to help you on your journey

  • Buying your first home?

    The First Home Guarantee not only gives you the chance to get into the market sooner with a very low minimum deposit, but with no Lenders Mortgage Insurance, you could save thousands!

  • Buying a property

    We’re here to guide you on your mission to home ownership. Find out the steps involved in the buying process.

  • A special deal for health professionals

    If you’re employed by a public, not-for-profit hospital, charity or other not-for-profit organisation, or you work for an ambulance service, you may be eligible to salary sacrifice part of your home loan repayments.

**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

Essential workers

^Eligible Essential workers include: School Principal, Faculty Head, Commissioned Fire Officer, Commissioned Police Officer, Ambulance Officer, Intensive Care Ambulance Paramedic, Supervisor Police Officer, Police Officer, Senior Fire Fighter, Fire Fighter, Registered Nurse, Registered Midwife, Registered Mental Health Nurse, Registered Developmental Disability Nurse, Enrolled Nurse, Pre-Primary School Teacher, Primary School Teacher, Secondary School Teacher, Special Needs Teacher, Special Education Teachers, University Lecturer, University Tutor, Vocational Education Teacher, English as a Second Language Teacher.