Home loan rates › Defence Bank
Ultimate Essentials Construction (INV)
Defence Bank
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 |
|---|---|---|---|---|---|
| 6.84% | 6.93% | Variable · investment · interest only | Not compared in rate tables Construction | CDR | 1 Nov 2026 |
| 6.89% | 6.98% | Variable · investment · interest only | Not compared in rate tables Construction | CDR | 1 Nov 2026 |
| 6.94% | 6.78% | Variable · investment · interest only | Not compared in rate tables 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/900- Content hash
sha256 08084b0e6b438b242f3e5245d4d124083d69fdc09857840446e4b0aa55bdb7f2- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_08084b0e6b438b24_f2a4f64aShow details
- Checked
- 1 Nov 2026
- URL
https://product.defencebank.com.au/cds-au/v1/banking/products/900- Content hash
sha256 08084b0e6b438b242f3e5245d4d124083d69fdc09857840446e4b0aa55bdb7f2- 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 |
|---|---|---|
| Default notice (enforcement notice) | Event | $20.00 |
| Arrears reminder notice fee (per letter) | Event | $20.00 |
| Ultimate Package Annual Fee | Periodic | $96.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Other | No monthly fees. | |
| Other | No application or establishment 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. | |
| Complementary product discounts | 15% discount on selected CGU home, contents and landlord insurance. | Insurance. |
| Redraw | Free loan redraw | |
| Other | Split Loan Facility | |
| Eligibility: residency status | Australian residents only. | |
| Eligibility: min age | 18 | |
| Eligibility: other | Individuals must have capacity. | Lending criteria. |
| Eligibility: other | Construction or major renovations to owner occupied property. | Purpose |
| Limit: max lvr | 0.95 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · investment · interest only | 1 Nov 2026 | Current | 6.84% | 6.93% |
| Variable · investment · interest only | 1 Nov 2026 | Current | 6.94% | 6.78% |
| Variable · investment · interest only | 1 Nov 2026 | Current | 6.89% | 6.98% |
*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 |
rate-selected-by-free-text | Reason this product is not ranked | |
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