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Our most comprehensive home loan product, with loads of extra benefits and support.

DHOAS compatible for eligible Defence Force personnel

100% mortgage offset account, so you can save while you save.

Get ahead, with no penalties for making additional repayments.

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Key Features

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Smart Mover Line of Credit Annual Rate Comparison Rate*
Variable rate 3.59% p.a. 4.33% p.a.
Owner Occupied Annual Rate Comparison Rate*
Variable rate 3.59% p.a. 4.33% p.a.
Variable for loans over $750,000 3.59% p.a. 4.33% p.a.
Variable for loans $250,000 to $750,000 3.59% p.a. 4.33% p.a.
Variable for loans under $250,000 3.59% p.a. 4.33% p.a.
Fixed 1 year 3.79% p.a. 4.53% p.a.
Fixed 2 year 3.79% p.a. 4.53% p.a.
Fixed 3 year 3.79% p.a. 4.53% p.a.
Investor Annual Rate Comparison Rate*
Variable rate 3.59% p.a. 4.33% p.a.
Variable for loans over $750,000 3.59% p.a. 4.33% p.a.
Variable for loans $250,000 to $750,000 3.59% p.a. 4.33% p.a.
Variable for loans under $250,000 3.59% p.a. 4.33% p.a.
Fixed 1 year 3.79% p.a. 4.53% p.a.
Fixed 2 year 3.79% p.a. 4.53% p.a.
Fixed 3 year 3.79% p.a. 4.53% p.a.
Notable Fees  
Annual fee $350
*

Comparison rates based on $150,000 secured loan lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.
WARNING: This comparison rate lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.

Offer not available to existing Defence Bank True Blue Credit Card holders.

Next steps for first home buyers

Looking to buy your first home? Read our guide for first home buyers for useful tips and information.
Use our helpful calculators to work out your eligible loan amount, along with projected repayments over the loan's life.
Talk to one of our experienced Home Loan Consultants to discuss pre-approval to give you peace of mind.
Apply for your loan online, and get ready to make that big purchase!

Frequently asked questions

The deposit amount depends on the type of home loan you’re looking at. It’s best to have a chat to a home loan consultant to find out, and we can provide a referral for you if you give us a call on 1800 033 139.
Look at our home loan options.

DHOAS, or the Defence Home Ownership Assistance Scheme, is a subsidy provided by the Department of Veteran Affairs (DVA) that is paid directly onto your home loan.
Find out more about DHOAS.

Yes, we are one of the financial institutions who are able to offer this scheme to our members. To check your eligibility, visit the National Housing Finance and Investment Corporation (NHFIC) website.
Check if you’re eligible.

Eligibility for a DHOAS certificate is organised directly through DVA. Once you have your DHOAS certificate, our home loan consultants can help find the best product for you.

You don’t need to have all of your banking through Defence Bank to get a home loan with us. Our member consultants are always more than happy to look at all account options for you if you’d like to have all of your banking in one place.

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Let's talk.

Got a question or feedback? Get in touch at any time.
Jump into a Live Chat session to address your queries.
Visit a branch and discuss your finances face-to-face.
Need to talk to someone right away? Call us now.