Essentials home loan with Ultimate Package (investor).

2 .39 % p.a. Low interest rate
3 .81 % p.a. Comparison rate

Fixed rate options 1 to 5 years.

Can make extra repayments.

No application or extra repayment fees.

Added benefits.

The cream of the crop when it comes to our range of home loans on offer. This is the option for you if you want the ultimate in value across your entire financial set up, with one simple annual fee, no fee for extra repayments and benefits across our debit card, credit card, insurance, personal loan and term deposit options.

Everything you could want in a home loan, this has it - not to mention our Australia-based Contact Centre team who understand the unique challenges and opportunities of being in the defence community.

Key features.

  • Fixed rate options 1 to 5 years.
  • No application or establishment fees.
  • No monthly fees.
  • No annual fee on our low rate credit card.
  • No fees for extra repayments.
  • 15% discount on CGU home, contents and landlord insurance.
  • No application fee on personal loans.
  • 0.15% p.a. bonus rate on term deposits.
View Key Facts Sheet.
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Investor - fixed. 2 year fixed rate. Comparison rate.
Fixed 1 year. 2.39% p.a. 3.81% p.a.
Fixed 2 year. 2.49% p.a. 3.74% p.a.
Fixed 3 year. 2.99% p.a. 3.78% p.a.
Fixed 4 year. 3.19% p.a. 3.81% p.a.
Fixed 5 year. 3.39% p.a. 3.87% p.a.
Annual package fee. $380
Rate lock fee.  
– When you ask us to lock in a fixed, or guaranteed, rate of interest on a home loan. 0.15% of the fixed interest rate loan amount.
Break cost fee.†  
Payable before expiry of any period when interest rate is fixed on any portion of loan due to loan being repaid, interest becoming variable or default. We calculate the ‘break cost’ using the following formula:  
Let n = the remaining number of months for which the rate is fixed.
Let A = current outstandings.
Let P = monthly scheduled payments.
Let z = annual fixed interest rate payable monthly.
Let y = annual reinvestment rate payable monthly.
Let b = (1+y/12)n Let d = (1+z/12)n.
Then the Break Value is given by: (A/b)*(d-b)+12P/(byz)*(z(b-1)-y(d-1)).
Arrears reminder notice fee (per letter). $20
Default Notice (enforcement notice). $20



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. For interest only variable loans, the comparison rates are based on an initial 5 year interest only term. For fixed rate interest only loans, the comparison rates are based on an initial interest only period equal in term to the fixed period.


These features are not available during a fixed interest period.


Not payable on the DHOAS Premier and DHOAS Premier Low Rate Home Loan or Premier and Premier Low Rate Home Loan. Details available in branch or at

Fees and charges are payable. Terms and conditions available on request.

Terms and conditions, fees and charges apply and are available upon request.

Approval subject to Defence Bank's lending criteria.

Rates apply to new applications received however are subject to change at anytime.

Minimum loan amount $250,000.

Defence Bank’s Target Market Determination can be viewed here.