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True Value

Essentials
Rates
Fees

True Value

When it comes to low interest home loans, the name of this great value loan says it all.

Offering a competitive rate and no ongoing periodic fees, the True Value Home Loan also comes with a free redraw facility so you can access funds in the future for a new car, renovations to your house, a holiday or whatever else you may choose.

You can’t get better than that.

Features of True Value Home Loan include:

Maximum loan to value ratio of 95%
No application fee (solicitor and valuation fees at cost, and a settlement fee of $275 applies)
No annual fee
No monthly fee
Variable interest rate
Unlimited free redraw ($100 minimum)
Additional payments allowed
Maximum term of 30 years.

To generate a Key Facts Sheet, click here.

* Terms and conditions, fees and charges apply and are available on application.

Interest Rates

Effective 28 November 2011

Car Loans

New Car Loan (including Motorcycle Loans)

Used Car Loan (including Used Motorcycle Loans)

Personal Loans

Personal Loan

Consolidation Loan

Overdraft

True Blue Credit Card

Home Loans

DHOAS Saver Home Loan

DHOAS Low Start Home Loan

DHOAS Advantage Home Loan

DHOAS Construction Advantage Home Loan

True Value Home Loan

Flexi Choice Home Loan

Smart Mover Home Loan

Interest Only Construction Home Loan

Basic Variable Home Loan

Variable Interest Rates for New Car Loan (including Motorcycle Loans):

Rates for New Car Loan - with minimum 20% deposit

Annual Rate %

Comparison Rate %

8.90% pa*

9.14% pa**

Rates for New Car Loan - with minimum 10% deposit

Annual Rate %

Comparison Rate %

9.49% pa^

9.73% pa**

Rates for New Car Loan - with less than 10% deposit

Annual Rate %

Comparison Rate %

9.90% pa

10.14% pa**

What is a comparison rate?

Issue Date: 4 April 2011

* Where 80% or less of vehicle purchase price plus on road costs and where applicable, comprehensive insurance is financed.
^ Where 90% or less of vehicle purchase price plus on road costs and where applicable, comprehensive insurance is financed.
** Comparison rate is based on a $30,000 secured loan over a 5 year term. Fees and Charges are payable. Terms and Conditions available on request.
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.

Go to New Car Loan

Variable Interest Rates for Used Car Loan (including Used Motorcycle Loans):

Rates for Used Car Loan - with minimum 10% deposit

Annual Rate %

Comparison Rate %

Used cars
less than 3 years old

10.95% pa^

11.20% pa*

Used cars
3 to 5 years old

11.49% pa^

11.74% pa*

Rates for Used Car Loan - with less than 10% deposit

Annual Rate %

Comparison Rate %

Used cars
1 to 5 years old

11.49% pa

11.74% pa*

What is a comparison rate?

Issue Date: 4 April 2011

^ Where 90% or less of vehicle purchase price plus on road costs and where applicable, comprehensive insurance is financed.
* Comparison rate is based on a $30,000 secured loan over a 5 year term. Fees and Charges are payable. Terms and Conditions available on request.
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.

Go to Used Car Loan

Variable Interest Rates for Personal Loans:

Rates for Personal Loan - (security may be required):

Annual Rate %

Comparison Rate %

12.99% pa

13.21% pa*

What is a comparison rate?

Issue Date: 4 April 2011

* Comparison rate is based on a $30,000 unsecured loan over a 5 year term. Fees and Charges are payable. Terms and Conditions available on request.
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.

Go to Personal Loan

Rates for Consolidation Loan - (security may be required):

Annual Rate %

Comparison Rate %

13.99% pa

14.21% pa*

What is a comparison rate?

Issue Date: 4 April 2011

* Comparison rate is based on a $30,000 unsecured loan over a 5 year term. Fees and charges are payable. Terms and Conditions available on request.
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.

Go to Consolidation Loan

Rates for DHOAS Saver Home Loan

Annual Rate %

Comparison Rate %

6.50% pa (variable)

6.56% pa*

What is a comparison rate?

Issue Date: 7 November 2011

* Comparison rates based on a $150,000 secured loan over 25 years. Fees and Charges are payable. Terms and conditions available on request.
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.

Rates for DHOAS Saver Fixed Home Loan

Annual Rate %

Comparison Rate %

2 Years Fixed

6.50% pa (fixed)

6.56% pa*

3 Years Fixed

6.50% pa (fixed)

6.56% pa*

What is a comparison rate?

Issue Date: 7 November 2011

* Comparison rates based on a $150,000 secured loan over 25 years. Fees and Charges are payable. Terms and conditions available on request.
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.

Go to DHOAS Saver Home Loan

Rates for DHOAS Low Start Home Loan^:

Annual Rate %

Comparison Rate %

Initial 12 months fixed rate

6.54% pa

6.98% pa*

What is a comparison rate?

Issue Date: 7 November 2010

^ At the end of the 12 month low start interest period, the Defence Bank DHOAS Advantage Home Loan variable interest rate current at that time applies.
* Comparison rates based on a $150,000 secured loan over 25 years. Fees and Charges are payable. Terms and conditions available on request.
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.

Go to DHOAS Low Start Home Loan

Rates for DHOAS Advantage Variable Home Loan:

Annual Rate %

Comparison Rate %

6.94% pa (variable)

7.02% pa*

What is a comparison rate?

Issue Date: 1 December

* Comparison rate is based on a $150,000 secured loan over 25 years. Fees and Charges are payable. Terms and Conditions available on request.
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.

DHOAS Advantage Fixed Home Loan rates:

Annual Rate %

Comparison Rate %

2 Years Fixed

6.50% pa (fixed)

6.93% pa*

3 Years Fixed

6.50% pa (fixed)

6.90% pa*

What is a comparison rate?

Issue Date: 29 August 2011

* Comparison rates based on a $150,000 secured loan over 25 years. Fees and Charges are payable. Terms and Conditions available on request.
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.

Go to DHOAS Advantage Home Loan

Rates for DHOAS Construction Advantage Home Loan:

Annual Rate %

Comparison Rate %

6.94% pa (variable)

7.07% pa*

What is a comparison rate?

Issue Date: 30 November 2010

* Comparison rates based on a $150,000 secured loan over 25 years. Fees and Charges are payable. Terms and Conditions available on request.
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.

Go to DHOAS Construction Advantage Home Loan

Rates for True Value Home Loan:

Annual Rate %

Comparison Rate %

6.84% pa (variable)

6.92% pa*

What is a comparison rate?

Issue Date: 30 November 2010

* Comparison rates based on a $150,000 secured loan over 25 years. Fees and Charges are payable. Terms and Conditions available on request.
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.

Go to True Value Home Loan

Rates for Flexi Choice Home Loan:

Annual Rate %

Comparison Rate %

7.04% pa (variable)

7.07% pa*

What is a comparison rate?

Issue Date: 29 August 2011

* Comparison rates based on a $150,000 secured loan over 25 years. Fees and Charges are payable. Terms and Conditions available on request.
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.

Rates for Flexi Choice Fixed Home Loan:

Annual Rate %

Comparison Rate %

2 Years Fixed

6.50% pa (fixed)

6.96% pa*

3 Years Fixed

6.50% pa (fixed)

6.91% pa*

What is a comparison rate?

Issue Date: 30 November 2010

* Comparison rates based on a $150,000 secured loan over 25 years. Fees and Charges are payable. Terms and Conditions available on request.
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.

Go to Flexi Choice Home Loan

Rates for Smart Mover Home Loan

Annual Rate %

7.14% pa (variable)*

What is a comparison rate?

Issue Date: 30 November 2010

* Fees and Charges are payable. Terms and Conditions available on request.

Go to Smart Mover Home Loan

Rates for Interest Only Construction Loan:

Annual Rate %

Comparison Rate %

7.04% pa (variable)

7.07% pa*

What is a comparison rate?

Issue Date: 30 November 2010

* Comparison rates based on a $150,000 secured loan over 25 years. Fees and Charges are payable. Terms and Conditions available on request.
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.

Go to Interest Only Construction Home Loan

Rates for Basic Variable Home Loan:

Annual Rate %

Comparison Rate %

7.04% pa (variable)

7.13% pa*

What is a comparison rate?

Issue Date: 30 November 2010

* Comparison rates based on a $150,000 secured loan over 25 years. Fees and Charges are payable. Terms and Conditions available on request.
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.

Go to Basic Variable Home Loan

Rates for Overdraft:

Annual Rate %

15.35% pa^ (variable)

Issue Date: 6 April 2010

^ Available to approved applicants at 15.35%p.a. (variable). A different variable rate may apply to applicants who do not qualify for the base rate. Fees and Charges are payable. Terms and Conditions available on request.

Go to Overdraft

Rates for Low Rate True Blue Credit Card

6 Month Start Rate
(available to new customers only)

Ongoing Rate
(variable)

3.99% pa

11.74% pa*

Issue Date: 6 April 2010

* Fees and Charges are payable. Terms and Conditions apply.

Go to Low Rate True Blue Credit Card

To view the fees for True Value Home Loan, click here.

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