Up to $4,000 cashback on your DHOAS home loan.

DHOAS Home Loan Purchase & Refinance Cashback Promotion.
Up to $4,000 cashback offer for new DHOAS home loans or refinance of a DHOAS home loan to Defence Bank.

Terms and conditions.
1. The Promoter is Defence Bank Limited ABN 57 087 651 385 AFSL / Australian Credit Licence 234582 of Level 10, Queen Street, Melbourne 3000 (‘Defence Bank’ or ‘Promoter’).
2. This cashback promotion (‘Promotion’) commences on Tuesday 20 August 2024 and closes Monday 31 March 2025 (‘Promotion Period’).
3. Applications for Defence Bank home loans are subject to credit approval. Full terms and conditions will be included in members’ Defence Bank loan offer. Fees and charges may be payable.
4. The cash back value is based on the value of the eligible home loan at the time of loan disbursal as per the table below. The cash back is limited to one cash back per security property.

5. This cashback offer is available to Australian residents aged 18 years and over who refinance from another lender or purchase a home using a Defence Bank DHOAS home loan (‘Eligible Members’) under the following Eligibility Requirements:
- Home loan application must be submitted within the Promotional Period (point 2 above).
- Lending must be new to Defence Bank (refinances of existing Defence Bank home loans are excluded from this offer).
- Available to fixed and variable home loans.
- Available on DHOAS owner occupier home loans.
- Minimum DHOAS home-loan-specific refinance amount ≥$250k.
- Minimum new loan amount for purchases ≥$250,000
- All DHOAS owner occupier Defence Bank home loans (excluding construction loans) are eligible.
- Home loan must be disbursed on or before Monday 30 June 2025.
- Normal lending policies apply.
- This offer is not available in conjunction with any other promotions.
6. Only one cash back per security property. Where a home loan has more than one applicant and one applicant receives the cash back, all applicants are deemed to have received the cash back. Maximum cash back amount is up to $4,000.
7. Defence Bank reserves the right to verify the validity of Eligible Members (including a members identity and application details) and reserves the right to disqualify any Eligible Member if the member is engaged in any unlawful or other improper misconduct calculated to jeopardise the fair and proper conduct of the Promotion.
8. Provided these Terms and Conditions including Eligibility Requirements are met, Eligible Members will receive their eligible cash back amount transferred electronically into their new Everyday Access account after the loan has been disbursed.
9. The date of cash back payment will be up to 90 days from the date of loan disbursal.
10. Eligible Members must hold or open an Everyday Access account.
11. The cash back cannot be used towards the calculation of serviceability of the home loan.
12. Eligible Members accept the cash back ‘as is’ and acknowledge that Defence Bank accepts no responsibility for any tax implications that may arise from the cash back. Eligible Members may need to seek advice from the Australian Tax Office or their own taxation adviser or independent financial adviser.
13. Defence Bank reserves the right to review and amend these terms and conditions or to withdraw this offer at any time.
14. Existing applications received before commencement date of campaign will not be eligible for this cashback offer.