Home loans.

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.

Yes, we will charge LMI if you have a deposit of less than 20%, including any schemes or grants.

For an annual fee of $380, eligible applications can receive a number of discounts and waived fees on other lending products and insurance, as well as account keeping fees. For more information about your specific situation, you can have a chat to your home loan consultant.

If your loan is fixed, the interest rate will remain the same throughout the agreed term regardless of changes in the market. If the loan is variable, the rate can increase or decrease depending on a number of factors at any time.

Unfortunately, we do not currently accept guaranteed home loan applications.

Every situation is different, and there’s a large number of factors that can indicate the best product for you. The best thing to do is to have a chat with your local home loan consultant so that they can make sure you’re heading in the right direction.

All of our variable home loans offer a redraw facility. While our fixed home loans do not, the accrued redraw will become available at the end of the fixed period.

It depends on the product that you have, and how much you wish to redraw. If your online banking does not allow you to transfer from your home loan, simply give us a call on 1800 033 139 and we can look at the best option for you.

Having pre-approval can provide you with a sense of security when making an offer on a property.

Most of our home loan products are able to have an offset account attached. The only exceptions to this are our Premier Low Rate home loans, and any fixed home loans.