Home ownership tips for ADF families
We join the Military Life podcast to share practical advice on buying a home - from ADF entitlements like DHOAS and HPAS to navigating the new 5% Deposit Scheme.
BSB 833 205
BSB 833 205
Invest and get $3,000 cashback*
When you purchase a new investment property with a Defence Bank home loan
Family sitting on lawn of a suburban front yard.
Get $3,000* back into your pocket when you refinance your home loan to us from another lender or purchase a new investment property.
Apply between 4 February and 30 June 2026 and have your loan fully funded by 30 September 2026.
Minimum loan amount $300K and a maximum LVR of 80%. Excludes construction loans. Eligibility criteria, terms and conditions apply.
See what you could save when you refinance.
What is refinancing?
Refinancing simply means switching your old home loan over to a new loan with a different lender. It can sound like a hassle, but it’s surprisingly easy, and there can be big rewards!
The real estate scams you need to look out for
Real estate scams such as payment redirection and social media rental schemes are alarmingly on the rise.
What do you need for a home loan application?
You’ve saved a deposit, found a place you love, and now it’s time to apply for a home loan. We explain the paperwork you need to help your lender get the ball rolling without delay.
What you need to know
The Promoter is Defence Bank Limited ABN 57 087 651 385 AFSL / Australian Credit Licence 234582 of Level 10, Queen Street, Melbourne 3000 (‘Defence Bank’ or ‘Promoter’).
This cashback promotion (‘Promotion’) commences on Wednesday 4 February 2026 and closes Tuesday 30 June 2026 (‘Promotion Period’).
Applications for Defence Bank home loans are subject to credit approval. Full terms and conditions will be included in members’ Defence Bank loan offer. Fees and charges may be payable.
This cashback offer is available to Australianresidentsaged 18 years and over who refinance from another lender or purchase an investment property using a Defence Bank home loan (‘Eligible Members’) under the following Eligibility Requirements:
• Home loan application must be submitted within the Promotion Period and funded on or before Wednesday 30 September 2026.
• Lending must be new to Defence Bank (refinances of existing Defence Bank home loans are excluded from this offer). Available to owner occupier home loans, including DHOAS,and investor refinances from another lender or investor new purchase home loans.
• Repayment type can be principal and interest or interest only.
• Available to fixed and variable home loans.
• Minimum eligible loan amount ≥$300,000 and a loan to value ratio (LVR) of up to 80%
• Excludes constructionhome loans.
• All applications are subject to Defence Bank’s credit assessment criteria.
• This offer is not available in conjunction with any other promotions.
Eligible Members must hold a Defence Bank Everyday Access or Offset account (‘Nominated account’) at drawdown.
Only one cash back per security property.Where a home loan has more than one applicant and one applicant receives the cashback, all applicants are deemed to have received the cashback. Cashback is paid into one nominated account and cannot be split across accounts. Maximum cashback amount of $3,000.
Defence Bank reserves the right to verify the validity of Eligible Members (including a member’s identity and application details) and reserves the right to disqualify any EligibleMemberif the member is engaged in any unlawful or other improper misconduct calculated to jeopardise the fair and proper conduct of the Promotion.
Provided these Terms and Conditions including Eligibility Requirements are met, Eligible Members will receive their eligible cashback amount transferred electronically into theirNominatedAccount after the loan has been disbursed.
The date of cashback payment will be up to 90 days from the date of loan funding.
The cashback cannot be used towards the calculation of serviceability of the home loan.
Existing applications received before commencement date of campaign will not be eligible for this cashback offer.
Eligible Members accept the cashback ‘as is’ and acknowledge that Defence Bank accepts no responsibility for any tax implicationsthatmay arise from the cashback. Eligible Members may need to seek advice from the Australian Tax Office or their own taxation adviser or independent financial adviser.
Defence Bank’s Target Market Determination can be viewed at defencebank.com.au
For full DHOAS eligibility criteria visit dhoas.gov.au
Defence Bank reserves the right to review and amend these terms and conditions or to withdraw this offer at any time without prior notice.