The cream of the crop when it comes to our range of home loans on offer.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 6.99% | 7.08% | Variable · owner occupied · principal and interest | Construction | CDR | 1 Nov 2026 |
| 6.99% | 7.08% | Variable · owner occupied · principal and interest | Construction | CDR | 1 Nov 2026 |
| 6.99% | 7.08% | Variable · owner occupied · principal and interest | Construction | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. 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. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://product.defencebank.com.au/cds-au/v1/banking/products/807- Content hash
sha256 be39847c70fc96f4c8d0af54ef98959494429dab449aa9d261dcb2d69e1496c3- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_be39847c70fc96f4_23f0e22bShow details
- Checked
- 1 Nov 2026
- URL
https://product.defencebank.com.au/cds-au/v1/banking/products/807- Content hash
sha256 be39847c70fc96f4c8d0af54ef98959494429dab449aa9d261dcb2d69e1496c3- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Arrears reminder notice fee (per letter) | Event | $20.00 |
| Ultimate Package Annual Fee | Periodic | $96.00 |
| Default notice (enforcement notice) | Event | $20.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Other | No application or establishment fees. | |
| Other | No monthly fees. | |
| Other | Loan Portability | |
| Other | Australia-based Contact Centre team who understand the unique challenges and opportunities of being in the defence community | Australia-based Contact Centre |
| Card access | Speak with a home loan consultant today to discuss your options | Home Loan Consultants |
| Extra repayments | No fees for extra repayments. | |
| Offset | 100% mortgage offset account. | |
| Complementary product discounts | No annual fee on our low rate credit card - $22.50 donation to the Defence Bank Foundation still applies. | Credit Card |
| Complementary product discounts | No application fee on personal loans. | Personal Loans. |
| Bonus rewards | 0.15% p.a. bonus rate on term deposits. | Term Deposits |
| Digital banking | Quick and easy online application. | |
| Other | You must meet Defence Home Ownership Assistance Scheme eligibility criteria. | DHOAS home loan compatible. |
| Other | Split loan facility | |
| Complementary product discounts | 15% discount on selected CGU home, contents and landlord insurance. | Insurance. |
| Other | To access the Scheme, you need to meet borrower eligibility criteria. | Australian Government 5% Deposit Scheme |
| Eligibility: residency status | Australian residents only. | |
| Eligibility: min age | 18 | |
| Eligibility: other | Individuals must have capacity. | Lending criteria. |
| Eligibility: other | Maximum of 2 Borrowers | |
| Eligibility: other | Construction or major renovations to owner occupied property. | Purpose |
| Eligibility: employment status | You must meet Defence Home Ownership Assistance Scheme eligibility criteria. | DHOAS home loan compatible. |
| Limit: max lvr | 0.95 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.99% | 7.08% |
| Variable · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.99% | 7.08% |
| Variable · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.99% | 7.08% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. 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. Fees and charges are payable.
Tags
| Tag | Meaning | Effect |
|---|---|---|
purpose:construction | Construction | Left out of the standard home loan table |
Registered channels
Lender staff and brokers registered with Homepedia, and the prices available through them. Separate from the product data above: it never changes the lender's rates or the order of any rate table.People registered for this product
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