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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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Apply now
View brochure

Calculators

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.
Learn more
Use our helpful calculators to work out your eligible loan amount, along with projected repayments over the loan's life.
Calculators
Talk to one of our experienced Home Loan Consultants to discuss pre-approval to give you peace of mind.
Let's talk
Apply for your loan online, and get ready to make that big purchase!
Apply now

Frequently asked questions

You can buy a new or used car or motorcycle up to, and including, 5 years old with a car loan. If you would like to purchase an older car, contact us as you may do so with a personal loan. 

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 Home Guarantee Scheme will be required. Speak to a lender 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. 

The maximum loan amount is dependent on a number of factors, including a borrower’s ability to service (pay) the loan. Call us on 1800 033 139 to discuss your needs.

Congratulations, please contact us (up to a week) prior to paying off your loan to obtain the final payout figure. Once the funds are available in your account we’ll process the final payment for you.

View more FAQs

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