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 |
|---|---|---|---|---|---|
| 6.74% | 7.05% | Fixed · 1 year · owner occupied · principal and interest | Package rate: an annual package fee usually applies Certain occupations | CDR | 1 Nov 2026 |
| 6.76% | 7.03% | Fixed · 2 years · owner occupied · principal and interest | Package rate: an annual package fee usually applies Certain occupations | CDR | 1 Nov 2026 |
| 6.87% | 7.04% | Fixed · 3 years · owner occupied · principal and interest | Package rate: an annual package fee usually applies Certain occupations | CDR | 1 Nov 2026 |
| 6.87% | 7.03% | Fixed · 4 years · owner occupied · principal and interest | Package rate: an annual package fee usually applies Certain occupations | CDR | 1 Nov 2026 |
| 6.89% | 7.03% | Fixed · 5 years · owner occupied · principal and interest | Package rate: an annual package fee usually applies Certain occupations | 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/806- Content hash
sha256 2498f67316c518b889468a2cbb0cbd4e74e1b7f13b19e5003bffcaef342c8f47- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_2498f67316c518b8_ccf0210eShow details
- Checked
- 1 Nov 2026
- URL
https://product.defencebank.com.au/cds-au/v1/banking/products/806- Content hash
sha256 2498f67316c518b889468a2cbb0cbd4e74e1b7f13b19e5003bffcaef342c8f47- 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 |
|---|---|---|
| Rate lock fee | Upfront | 0.15% |
| Break cost fee | Event | $0.00 |
| 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 |
|---|---|---|
| Complementary product discounts | No annual fee on our low rate credit card. - $22.50 donation to the Defence Bank Foundation still applies | Credit Card |
| Other | No application or establishment fees. | |
| Other | No monthly fees. | |
| Other | To be eligible, you must meet Defence Home Ownership Assistance Scheme conditions. | DHOAS home loan compatible. |
| Other | Up to two facilities at first draw down or any time during term of loan | Split Loan Facility |
| Other | "Loan can be switched between Variable/Fixed interest rates Interest rate can be fixed for 1,2,3,4 or 5 years Break costs may apply if paid out during fixed interest period" | Fixed rate option available |
| Other | Australia-based Contact Centre team who understand the unique challenges and opportunities of being in the defence community | Australia-based Contact Centre |
| Other | Speak with a home loan consultant today to discuss your options | Home Loan Consultants. |
| Extra repayments | No fees for extra repayments. | |
| 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 | To access the Scheme, you need to meet borrower eligibility criteria. | Australian Government 5% Deposit Scheme |
| Complementary product discounts | 15% discount on selected CGU home, contents and landlord insurance. | Insurance |
| Eligibility: residency status | Australian residents only. | |
| Eligibility: min age | 18 | |
| Eligibility: other | Individuals must have capacity. | Lending criteria. |
| Eligibility: other | "Purchase/Refinance Owner Occupied Home Improvements" | Purpose |
| Eligibility: employment status | To be eligible, you must meet Defence Home Ownership Assistance Scheme conditions. | |
| Limit: max lvr | 0.95 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Fixed · 3 years · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.87% | 7.04% |
| Fixed · 5 years · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.89% | 7.03% |
| Fixed · 2 years · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.76% | 7.03% |
| Fixed · 1 year · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.74% | 7.05% |
| Fixed · 4 years · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.87% | 7.03% |
*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 |
|---|---|---|
eligibility:occupation | Certain occupations | Shown in the row (the product name says it is for essential workers, police, defence force members, veterans or similar); ranking unchanged |
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