Owner occupied.  Annual rate.  Comparison rate.* 

Premier home loan.  3.15% p.a.  3.15% p.a. 
DHOAS Premier home loan.  3.15% p.a.  3.15% 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 
Security discharge administration fee.^  $250 
Substitution of loan security fee.^  $275 
May be payable.^  
– Solicitors and other parties actioning requests.  Not ascertainable 
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)*(db)+12P/(byz)*(z(b1)y(d1)). 

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 low rate home loan.  2.85% p.a.  2.85% p.a. 
DHOAS Premier Low Rate home loan.  2.85% p.a.  2.85% 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 
Security discharge administration fee.^  $250 
Substitution of loan security fee.^  $275 
May be payable.^  
– Solicitors and other parties actioning requests.  Not ascertainable 
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)*(db)+12P/(byz)*(z(b1)y(d1)). 

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.  3.72% p.a.  3.88% p.a. 
Owner occupier  fixed.  Annual rate.  Comparison rate.* 

Fixed 1 year.  2.49% p.a.  3.77% p.a. 
Fixed 2 year.  2.49% p.a.  3.66% p.a. 
Fixed 3 year.  2.49% p.a.  3.56% p.a. 
Fixed 4 year.  2.79% p.a.  3.57% p.a. 
Fixed 5 year.  2.79% p.a.  3.51% p.a. 
Interest only construction.  3.72% p.a.  n/a 
Investor  fixed.  Annual rate.  Comparison rate.* 

Fixed 1 year.  2.49% p.a.  3.77% p.a. 
Fixed 2 year.  2.49% p.a.  3.66% p.a. 
Fixed 3 year.  2.49% p.a.  3.56% p.a. 
Fixed 4 year.  2.79% p.a.  3.57% p.a. 
Fixed 5 year.  2.79% p.a.  3.51% p.a. 
Investor  fixed interest only.  Annual rate. 

Fixed 1 year.  2.59% p.a. 
Fixed 2 year.  2.59% p.a. 
Fixed 3 year.  2.59% p.a. 
Fixed 4 year.  2.89% p.a. 
Fixed 5 year.  2.89% p.a. 
Investor.  Annual rate. 

Interestonly construction.  3.72% p.a. 
Interest only variable.  3.82% 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 
Security discharge administration fee.^  $250 
Substitution of loan security fee.^  $275 
May be payable.^  
– Solicitors and other parties actioning requests.  Not ascertainable 
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)*(db)+12P/(byz)*(z(b1)y(d1)). 

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.  3.72% p.a.  4.10% p.a. 
Variable rate for loans over $750k.  3.62% p.a.  4.00% p.a. 
Variable rate for loans $250k  $750k.  3.67% p.a.  4.05% p.a. 
Variable rate for loans under $250k.  3.72% p.a.  4.10% p.a. 
Owner occupied  fixed.  Annual rate.  Comparison rate. 

Fixed 1 year.  2.39% p.a.  3.98% p.a. 
Fixed 2 year.  2.39% p.a.  3.86% p.a. 
Fixed 3 year.  2.39% p.a.  3.76% p.a. 
Fixed 4 year.  2.69% p.a.  3.76% p.a. 
Fixed 5 year.  2.69% p.a.  3.69% p.a. 
Investor  fixed.  Annual rate.  Comparison rate. 

Fixed 1 year.  2.39% p.a.  3.98% p.a. 
Fixed 2 year.  2.39% p.a.  3.86% p.a. 
Fixed 3 year.  2.39% p.a.  3.76% p.a. 
Fixed 4 year.  2.69% p.a.  3.76% p.a. 
Fixed 5 year.  2.69% p.a.  3.69% p.a. 
Investor  fixed interestonly.  Annual rate. 

Fixed 1 year.  2.49% p.a. 
Fixed 2 year.  2.49% p.a. 
Fixed 3 year.  2.49% p.a. 
Fixed 4 year.  2.79% p.a. 
Fixed 5 year.  2.79% p.a. 
Investor.  Annual rate. 

Interestonly variable.  3.82% p.a. 
Interestonly construction.  3.72% p.a. 
Smart Mover Line of Credit.  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 
Security discharge administration fee.^  $250 
Substitution of loan security fee.^  $275 
May be payable.^  
– Solicitors and other parties actioning requests.  Not ascertainable 
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)*(db)+12P/(byz)*(z(b1)y(d1)). 

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 
Security discharge administration fee.^  $250 
Substitution of loan security fee.^  $275 
May be payable.^  
– Solicitors and other parties actioning requests.  Not ascertainable 
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)*(db)+12P/(byz)*(z(b1)y(d1)). 

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.‡  4.62% 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 
Security discharge administration fee.^  $250 
Substitution of loan security fee.^  $275 
May be payable.^  
– Solicitors and other parties actioning requests.  Not ascertainable 
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)*(db)+12P/(byz)*(z(b1)y(d1)). 

Arrears reminder notice fee (per letter).  $20 
Default Notice (enforcement notice).  $20 
Redraw Fee (Basic Variable home loan only).  $25 
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 
Security discharge administration fee.^  $250 
Substitution of loan security fee.^  $275 
May be payable.^  
– Solicitors and other parties actioning requests.  Not ascertainable 
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)*(db)+12P/(byz)*(z(b1)y(d1)). 

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.
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.