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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

You need to have at least 5% genuine savings plus enough funds to cover fees and charges.

Where you have less than a 20% deposit, lenders mortgage insurance (LMI) or, if you are eligible, a First Home Loan Deposit Scheme Guarantee will be required. It’s best to talk to a home loan consultant to find out more.

Look at our home loan options.

The Defence Home Ownership Assistance Scheme (DHOAS) assists current and former Australian Defence Force (ADF) members and their families to achieve homeownership.

DHOAS is administered by the Department of Veterans' Affairs (DVA) on behalf of the Department of Defence.

DHOAS provides eligible current and former serving members of the Permanent Force and the Reserves with a subsidy on the interest of their home loans.

The subsidy is paid monthly, directly into a DHOAS home loan. The amount of subsidy you receive depends on your subsidy tier level and the balance of your home loan up to your subsidised loan limit. 

To learn more about Defence Bank DHOAS home loans click here

To find out more about DHOAS and your eligibility click here

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 the Department of Veteran Affairs (DVA). Once you have your DHOAS certificate, our home loan consultants can help find the best product for you.

Talk with one of our home loan consultants to find out more.

Portability of your Defence Bank DHOAS home loan may be possible if you don’t require additional funds to purchase your next home. Speak with one of our home loan consultants to discuss your situation further.

We also recommend you should always contact the Department of Veteran Affairs (DVA) before making any changes to your DHOAS home loan.

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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.