Defence Bank home loan rates
DEFENCE BANK LIMITED · ACL 234582 · Mutual/Credit union
Rates as at 2026-10-20. 48 rates across 17 products. Lender website
Variable rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| DHOAS Premier Low Rate (2 tiers) | 6.19–6.44% | 6.19–6.44% | Variable | Owner occupier | P&I | — |
| Premier Low Rate (2 tiers) | 6.24–6.49% | 6.24–6.49% | Variable | Owner occupier | P&I | — |
| Premier Investor Low Rate (2 tiers) | 6.34–6.59% | 6.34–6.59% | Variable | Investment | P&I | — |
| DHOAS Premier Home Loan | 6.54% | 6.54% | Variable | Owner occupier | P&I | — |
| Premier Home Loan | 6.59% | 6.59% | Variable | Owner occupier | P&I | — |
| Premier Investor Home Loan | 6.69% | 6.69% | Variable | Investment | P&I | — |
| Ultimate Essentials DHOAS Construction (OO) (3 tiers) | 6.69–6.79% | 6.79–6.88% | Variable | Owner occupier | P&I | — |
| Ultimate Essentials DHOAS (3 tiers) | 6.74% | 6.78–6.88% | Variable | Owner occupier | P&I | — |
| Ultimate Essentials I/O Con (3 tiers) | 6.74–6.84% | 6.84–6.93% | Variable | Owner occupier | Interest only | — |
| Ultimate Essentials Variable (3 tiers) | 6.74–6.84% | 6.84–6.93% | Variable | Owner occupier | P&I | — |
| Ultimate Essentials Construction (INV) (3 tiers) | 6.84–6.94% | 6.78–6.98% | Variable | Investment | Interest only | — |
| Ultimate Essentials Investor Variable (3 tiers) | 6.84–6.94% | 6.93–7.03% | Variable | Investment | P&I | — |
| Ultimate Essentials I/O | 6.94% | 7.02% | Variable | Investment | Interest only | — |
Fixed rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| Ultimate Essentials DHOAS Fix | 6.39% | 6.84% | Fixed | Owner occupier | P&I | 1 yr fixed |
| Ultimate Essentials Fixed | 6.39% | 6.88% | Fixed | Owner occupier | P&I | 1 yr fixed |
| Ultimate Essentials DHOAS Fix | 6.49% | 6.82% | Fixed | Owner occupier | P&I | 2 yr fixed |
| Ultimate Essentials Fixed | 6.49% | 6.86% | Fixed | Owner occupier | P&I | 2 yr fixed |
| Ultimate Essentials DHOAS Fix | 6.55% | 6.81% | Fixed | Owner occupier | P&I | 3 yr fixed |
| Ultimate Essentials DHOAS Fix | 6.55% | 6.79% | Fixed | Owner occupier | P&I | 4 yr fixed |
| Ultimate Essentials DHOAS Fix | 6.55% | 6.77% | Fixed | Owner occupier | P&I | 5 yr fixed |
| Ultimate Essentials Fixed | 6.55% | 6.84% | Fixed | Owner occupier | P&I | 3 yr fixed |
| Ultimate Essentials Fixed | 6.55% | 6.82% | Fixed | Owner occupier | P&I | 4 yr fixed |
| Ultimate Essentials Fixed | 6.55% | 6.80% | Fixed | Owner occupier | P&I | 5 yr fixed |
| Ultimate Essential Inv Fixed | 6.59% | 6.99% | Fixed | Investment | P&I | 1 yr fixed |
| Ultimate Essential Inv Fixed | 6.69% | 6.98% | Fixed | Investment | P&I | 2 yr fixed |
| Ultimate Essentials I/O Fixed | 6.69% | 7.00% | Fixed | Investment | Interest only | 1 yr fixed |
| Ultimate Essential Inv Fixed | 6.75% | 6.97% | Fixed | Investment | P&I | 3 yr fixed |
| Ultimate Essential Inv Fixed | 6.75% | 6.96% | Fixed | Investment | P&I | 4 yr fixed |
| Ultimate Essential Inv Fixed | 6.75% | 6.94% | Fixed | Investment | P&I | 5 yr fixed |
| Ultimate Essentials I/O Fixed | 6.79% | 6.99% | Fixed | Investment | Interest only | 2 yr fixed |
| Ultimate Essentials I/O Fixed | 6.85% | 7.00% | Fixed | Investment | Interest only | 3 yr fixed |
| Ultimate Essentials I/O Fixed | 6.85% | 6.99% | Fixed | Investment | Interest only | 4 yr fixed |
| Ultimate Essentials I/O Fixed | 6.85% | 6.98% | Fixed | Investment | Interest only | 5 yr fixed |
Conditions worth checking. Eligibility: 18 | Eligibility: Lending criteria | Eligibility: Purpose Eligibility: Australian residents only. | Eligibility: 18 | Eligibility: Individuals must have capacity. Eligibility: Australian Residents only | Eligibility: 18 | Eligibility: Lending criteria