Important disclosure

7.39
% p.a
Fixed - 4 years
5.56
% p.a
$1,848
based on $300,000 loan amount for 25 years at 7.39%
Calculate your repayments for this loan
Your estimated repayment
$1,848
based on $300,000 loan amount for 25 years at 7.39%
Health Professionals Bank home loans are available through brokers who can help find the right loan and manage your application at no charge.
Eric Dong
Get expert advice from a home loans specialist.
We want to help our clients create lives they love through financial control and empowerment. Only after we’ve listened to what our clients are trying to achieve, and understood their unique set of circumstances do we start devising bespoke solutions for them. We do the legwork, running around and hard work, you will never have a headache for a competitive interest rate or a simplization of the loan process. We will provide expert guidance and help along the whole way from our initial meeting. We have two consultation fee options for both commercial and residential lending advice.
CRN: 429699
Melissa Huynh
Get expert advice from a home loans specialist.
Melissa has many years experience within the Finance Industry. Having started her career as a Financial Planner and over 7 years as an award winning Mortgage Broker with a strong focus on customer service. Melissa is highly efficient and will get the job done! Whether you have a complex situation or Commercial loan Melissa will strive to find you the most competitive and suitable loan options and ensure you are educated and kept up to date throughout the process.
ACL: 481374
Lumbini Wekunagoda
Get expert advice from a home loans specialist.
Lumbini Wekunagoda is the founder of Melfinance. A boutique Mortgage Broker firm in Melbourne. Lumbini has a passion for helping his clients make their financial life easier. Lumbini specialises in helping people achieve their financial goals. Our goal is to educate you and empower you. With over 10 years in the Mortgage Broker Industry, Lumbini is highly experienced and known for his tenacity in helping his clients. Lumbini also has a diploma in Mortgage Broking, MBA from the University of Wales, Cert IV, MFAA, ASIC registered and licensed Mortgage Broker. Lumbini is known for giving as much of his time as is required to each client. No question is too small and no task too big. Lumbini’s clients feel as though they truly have someone on their side throughout the process. A real advocate for them who makes the whole process easy and stress-free. He also leaves them feeling comfortable that they are fully educated and empowered to make informed decisions with zero remorse. "Why do I like my role as a Mortgage Broker? I do this because I get enormous satisfaction from helping people achieve their goals and educating the. Seeing a client in a better positon after I have helped them gives me a huge buzz"
CRN: 444210

Variable Home Loan
3.10
% p.a
Variable
3.12
% p.a
Enjoy a competitive interest rate home loan with helpful features and no ongoing fees
Quick home loan review
For Your Way Plus Fixed Home Loan (Interest Only) 4 Years (LVR 60%-80%)
These are the benefits of this home loan.
- 100% full offset account
- Parents can sign as guarantor
- Split account option
These are the drawbacks of this home loan.
- No redraw facility
- Higher than average interest rate
- Loan reverts to higher rate after fixed period
- Ongoing fee
- Higher than average upfront fee
- Discharge fee at end of loan
- No repayment holidays
Home loan overview
For Your Way Plus Fixed Home Loan (Interest Only) 4 Years (LVR 60%-80%)
- Details
- Features
- Fees
- Application method
Details
Maximum LVR 80% | Total Repayments $554,400 |
Interest rate type Fixed - 4 years | |
Borrowing range
$150k
-
$5m
| Suitable for Owner Occupiers |
Loan term range 1 - 30 years | Principal & interest |
Interest only | Applicable states ACT, NSW, NT, QLD, SA, TAS, VIC, WA |
Features
Extra repayments Unlimited extra repayments | Offset account 100% offset account |
Redraw facility | Split interest facility |
Loan portable | Repayment holiday available |
Allow guarantors | Available for first home buyers |
Fees
Total estimated upfront fees 600 | Application fee 600 |
Legal fee $0 | Valuation fee $0 |
Settlement fee 0 | Other upfront fee 0 |
Ongoing fee $300 annually | Discharge fee 75 |
Application method
Online | Phone |
Broker | In branch |
Target Market Determination
Visit Health Professionals Bank to view Target Market Determination.
Other Benefits
Refer to the Package Terms and Conditions for Eligibility Criteria and other product benefits. 5bps discount on variable interest rates are available for essential workers subject to eligibility. Up to 10% discount on home and contents insurance (Allianz Insurance) Personal Loan application fee waived. All products are originated on relevant LVR tiers based on the LVR of the home loan at the time of origination. Fixed Rate loans will roll to the equivalent Variable rate LVR tier of the LVR at origination. Movement between the LVR tiers are subject to switching rules.
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