# Home loans.

Owner occupied - fixed. Annual rate. Comparison rate.*
Fixed 1 year. 1.99% p.a. 3.78% p.a.
Fixed 2 year. 2.19% p.a. 3.69% p.a.
Fixed 3 year. 2.59% p.a. 3.68% p.a.
Fixed 4 year. 2.89% p.a. 3.71% p.a.
Fixed 5 year. 3.09% p.a. 3.75% p.a.
Fees.
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

Investor - fixed. Annual Rate Comparison Rate
Fixed 1 year. 1.99% p.a. 3.78% p.a.
Fixed 2 year. 2.19% p.a. 3.69% p.a.
Fixed 3 year. 2.59% p.a. 3.68% p.a.
Fixed 4 year. 2.89% p.a. 3.71% p.a.
Fixed 5 year. 3.09% p.a. 3.75% p.a.
Fees.
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

Owner occupier - fixed. Fixed rate. Comparison rate.*
Fixed 1 year. 2.09% p.a. 3.55% p.a.
Fixed 2 year. 2.29% p.a. 3.46% p.a.
Fixed 3 year. 2.69% p.a. 3.47% p.a.
Fixed 4 year. 2.99% p.a. 3.50% p.a.
Fixed 5 year. 3.19% p.a. 3.55% p.a.
Fees.
Application fee. \$0
Loan Settlement fee.^ \$275
Valuation fee.^
– Standard valuation. \$205.25
Loan Service fee.^ (monthly) \$8
Consent and variation fee.^ \$250
Switching fee.^ (For example switching from fixed to variable interest rate.) \$300
Substitution of loan security fee.^ \$275
May be payable.^
– Solicitors and other parties actioning requests. Not ascertainable
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
Redraw Fee (Basic Variable home loan only). \$25

Investor - fixed. Fixed rate. Comparison rate.*
Fixed 1 year. 2.09% p.a. 3.55% p.a.
Fixed 2 year. 2.29% p.a. 3.46% p.a.
Fixed 3 year. 2.69% p.a. 3.47% p.a.
Fixed 4 year. 2.99% p.a. 3.50% p.a.
Fixed 5 year. 3.19% p.a. 3.55% p.a.
Fees.
Application fee. \$0
Loan Settlement fee.^ \$275
Valuation fee.^
– Standard valuation. \$205.25
Loan Service fee.^ (monthly) \$8
Consent and variation fee.^ \$250
Switching fee.^ (For example switching from fixed to variable interest rate.) \$300
Substitution of loan security fee.^ \$275
May be payable.^
– Solicitors and other parties actioning requests. Not ascertainable
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
Redraw Fee (Basic Variable home loan only). \$25

Investor - fixed interest-only. Annual Rate Comparison Rate
Fixed 1 year. 2.59% p.a. 3.82% p.a.
Fixed 2 year. 2.59% p.a. 3.74% p.a.
Fixed 3 year. 2.69% p.a. 3.68% p.a.
Fixed 4 year. 2.99% p.a. 3.71% p.a.
Fixed 5 year. 3.19% p.a. 3.75% p.a.
Fees.
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

Owner occupied. Annual rate. Comparison rate.*
Premier low rate home loan. 2.49% p.a. 2.49% p.a.
DHOAS Premier Low Rate home loan. 2.49% p.a. 2.49% p.a.
Fees.
Application fee. \$0
Loan Settlement fee.^ \$275
Valuation fee.^
– Standard valuation. \$205.25
Loan Service fee.^ (monthly) \$8
Consent and variation fee.^ \$250
Switching fee.^ (For example switching from fixed to variable interest rate.) \$300
Substitution of loan security fee.^ \$275
May be payable.^
– Solicitors and other parties actioning requests. Not ascertainable
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
Redraw Fee (Basic Variable home loan only). \$25

Investor. Annual rate. Comparison rate.*
Premier Investor Low Rate home loan. 2.65% p.a. 2.65% p.a.
Fees.
Application fee. \$0
Loan Settlement fee.^ \$275
Valuation fee.^
– Standard valuation. \$205.25
Loan Service fee.^ (monthly) \$8
Consent and variation fee.^ \$250
Switching fee.^ (For example switching from fixed to variable interest rate.) \$300
Substitution of loan security fee.^ \$275
May be payable.^
– Solicitors and other parties actioning requests. Not ascertainable
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
Redraw Fee (Basic Variable home loan only). \$25

Owner occupied. Annual rate. Comparison rate.*
Premier home loan. 2.99% p.a. 2.99% p.a.
DHOAS Premier home loan. 2.99% p.a. 2.99% p.a.
Fees.
Application fee. \$0
Loan Settlement fee.^ \$275
Valuation fee.^
– Standard valuation. \$205.25
Loan Service fee.^ (monthly) \$8
Consent and variation fee.^ \$250
Switching fee.^ (For example switching from fixed to variable interest rate.) \$300
Substitution of loan security fee.^ \$275
May be payable.^
– Solicitors and other parties actioning requests. Not ascertainable
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
Redraw Fee (Basic Variable home loan only). \$25

Investor rate. Annual rate. Comparison rate.*
Investor rate. 2.99% p.a. 2.99% p.a.
Fees.
Application fee. \$0
Loan Settlement fee.^ \$275
Valuation fee.^
– Standard valuation. \$205.25
Loan Service fee.^ (monthly) \$8
Consent and variation fee.^ \$250
Switching fee.^ (For example switching from fixed to variable interest rate.) \$300
Substitution of loan security fee.^ \$275
May be payable.^
– Solicitors and other parties actioning requests. Not ascertainable
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
Redraw Fee (Basic Variable home loan only). \$25

Owner occupied and investor. Annual rate. Comparison rate.*
Variable rate. 3.45% p.a. 3.49% p.a.
Fees.
Application fee. \$0
Loan Settlement fee.^ \$275
Valuation fee.^
– Standard valuation. \$205.25
Loan Service fee.^ (monthly) \$8
Consent and variation fee.^ \$250
Switching fee.^ (For example switching from fixed to variable interest rate.) \$300
Substitution of loan security fee.^ \$275
May be payable.^
– Solicitors and other parties actioning requests. Not ascertainable
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
Redraw Fee (Basic Variable home loan only). \$25

Owner occupier and investor. Annual rate. Comparison rate.*
Variable rate. 3.52% p.a. 3.68% p.a.
Investor. Annual rate. Comparison rate.*
Interest-only construction. 3.52% p.a. 3.72% p.a.
Interest only variable. 3.82% p.a. 3.78% p.a.
Smart Mover Line of Credit. Annual rate.
Variable rate.‡ 4.77% p.a.
Fees.
Application fee. \$0
Loan Settlement fee.^ \$275
Valuation fee.^
– Standard valuation. \$205.25
Loan Service fee.^ (monthly) \$8
Consent and variation fee.^ \$250
Switching fee.^ (For example switching from fixed to variable interest rate.) \$300
Substitution of loan security fee.^ \$275
May be payable.^
– Solicitors and other parties actioning requests. Not ascertainable
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
Redraw Fee (Basic Variable home loan only). \$25

Owner occupied (including DHOAS) and investor - variable. Annual rate. Comparison rate.*
Variable rate. 3.52% p.a. 3.92% p.a.
Variable rate for loans over \$750k. 3.42% p.a. 3.82% p.a.
Variable rate for loans \$250k - \$750k. 3.47% p.a. 3.87% p.a.
Variable rate for loans under \$250k. 3.52% p.a. 3.92% p.a.
Investor. Annual rate. Comparison rate.*
Interest-only variable. 3.82% p.a. 3.99% p.a.
Interest-only construction. 3.52% p.a. 3.91% p.a.
Smart Mover Line of Credit. Annual rate.
Variable rate.‡ 4.62% p.a.
Fees.
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

Smart Mover Line of Credit (Essentials home loan). Annual Rate
Variable rate.‡ 4.77% p.a.
Smart Mover Line of Credit (Essentials home loan with Ultimate Package). Annual Rate
Variable rate.‡ 4.62% p.a.
Fees.
Application fee. \$0
Loan Settlement fee.^ \$275
Valuation fee.^
– Standard valuation. \$205.25
Loan Service fee.^ (monthly) \$8
Consent and variation fee.^ \$250
Switching fee.^ (For example switching from fixed to variable interest rate.) \$300
Substitution of loan security fee.^ \$275
May be payable.^
– Solicitors and other parties actioning requests. Not ascertainable
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
Redraw Fee (Basic Variable home loan only). \$25

Smart Mover Line of Credit (Essentials home loan). Annual rate.
Variable rate.‡ 4.77% p.a.
Smart Mover Line of Credit (Essentials home loan with Ultimate Package). Annual rate.
Variable rate.‡ 4.62% p.a.
Fees.
Application fee. \$0
Loan Settlement fee.^ \$275
Valuation fee.^
– Standard valuation. \$205.25
Loan Service fee.^ (monthly) \$8
Consent and variation fee.^ \$250
Switching fee.^ (For example switching from fixed to variable interest rate.) \$300
Substitution of loan security fee.^ \$275
May be payable.^
– Solicitors and other parties actioning requests. Not ascertainable
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
Redraw Fee (Basic Variable home loan only). \$25

*

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.

^†

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 defencebank.com.au

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

^

Not payable under the Ultimate Package.