Flexibly structure and manage your home loan, with Your Way Home Loans
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 6.19% | 6.25% | Variable · owner occupied · principal and interest · LVR 0%–95% | Certain occupations | CDR | 1 Nov 2026 |
| 6.19% | 6.25% | Variable · owner occupied · principal and interest · LVR 0%–60% | Certain occupations | CDR | 1 Nov 2026 |
| 8.74% | 8.81% | Variable · owner occupied · principal and interest · LVR 0%–95% | Certain occupations | CDR | 1 Nov 2026 |
| 6.29% | 6.35% | Variable · owner occupied · principal and interest · LVR 60%–70% | Certain occupations | CDR | 1 Nov 2026 |
| 6.34% | 6.49% | Variable · owner occupied · principal and interest · LVR 70%–80% | Certain occupations | CDR | 1 Nov 2026 |
| 6.84% | 6.91% | Variable · owner occupied · principal and interest · LVR 80%–90% | Certain occupations | CDR | 1 Nov 2026 |
| 7.19% | 7.26% | Variable · owner occupied · principal and interest · LVR 90%–98% | Certain occupations | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. 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. Fees and charges are payable.
Report an error
Anyone can report a value that looks wrong. The row is marked as disputed and keeps its value; when the lender's Consumer Data Right data next changes we check it and remove the mark.
Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/f2652081-aa00-4f6c-bb6c-ccfac4a9cdc1- Content hash
sha256 f4c21ef76c73e7aee3ddb2615a11d23676089998ac1d1e8266ae3e2d7c6ae65f- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_f4c21ef76c73e7ae_6bddd973Show details
- Checked
- 1 Nov 2026
- URL
https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/f2652081-aa00-4f6c-bb6c-ccfac4a9cdc1- Content hash
sha256 f4c21ef76c73e7aee3ddb2615a11d23676089998ac1d1e8266ae3e2d7c6ae65f- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| ESTABLISHMENT_FEE | Upfront | $600.00 |
| MORTGAGE_DISCHARGE | Exit | $250.00 |
| ADDITIONAL_SECURITY_FEE | Event | $120.00 |
| DEFAULT_NOTICE_FEE | Event | $25.00 |
| FEE_FOR_FULL_VALUATION | Upfront | Set in your letter of offer |
| LEGAL_FEES | Upfront | Set in your letter of offer |
| LENDERS_MORTGAGE_INSURANCE | Upfront | Set in your letter of offer |
| REGISTRATION_FEE | Upfront | Set in your letter of offer |
| TITLE_SEARCH | Transaction | $1.00 |
| COLLECTION_CHARGES | Other | Set in your letter of offer |
| STAMP_DUTY | Upfront | Set in your letter of offer |
| LOAN_ADMINISTRATION_FEE | Upfront | $250.00 |
| LOAN_VARIATION_FEE | Event | $200.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Redraw | Redraw available | |
| Extra repayments | Additional repayments available | |
| Other | Ability to split loan | |
| Other | Ability to switch in | |
| Other | Ability to Top Up | |
| Other | Borrow up to 90% of the property value prior to capitalisation of Lenders Mortgage Insurance | |
| Digital banking | 24/7 access via internet banking, mobile app, phone banking | |
| Other | Flexible repayments | |
| Guarantor | ||
| Eligibility: other | 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. shareholders) of the Bank. | |
| Eligibility: residency status | Individuals must be citizens of permanent residents of Australia. | |
| Eligibility: natural person | ||
| Eligibility: min age | 18 | |
| Eligibility: other | 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. | |
| Limit: min limit | 25000.00 | |
| Limit: min lvr | 0.00 | |
| Limit: max lvr | 98.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · principal and interest · LVR 90%–98% | 1 Nov 2026 | Current | 7.19% | 7.26% |
| Variable · owner occupied · principal and interest · LVR 0%–95% | 1 Nov 2026 | Current | 6.19% | 6.25% |
| Variable · owner occupied · principal and interest · LVR 0%–60% | 1 Nov 2026 | Current | 6.19% | 6.25% |
| Variable · owner occupied · principal and interest · LVR 0%–95% | 1 Nov 2026 | Current | 8.74% | 8.81% |
| Variable · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 6.84% | 6.91% |
| Variable · owner occupied · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.29% | 6.35% |
| Variable · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.34% | 6.49% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. 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. Fees and charges are payable.
Tags
| Tag | Meaning | Effect |
|---|---|---|
eligibility:occupation | Certain occupations | Shown in the row (the product name says it is for essential workers, police, defence force members, veterans or similar); ranking unchanged |
Registered channels
Lender staff and brokers registered with Homepedia, and the prices available through them. Separate from the product data above: it never changes the lender's rates or the order of any rate table.People registered for this product
No one is registered for this product yet. Lender staff and brokers can join through verification.