{
  "source": "https://product.defencebank.com.au/cds-au/v1/banking/products/806",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "productId": "806",
    "effectiveFrom": "2014-07-17T00:00:00.000+10:00",
    "effectiveTo": "2029-12-31T00:00:00.000+11:00",
    "lastUpdated": "2026-05-20T00:00:00.000+10:00",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "Ultimate Essentials DHOAS Fix",
    "description": "The cream of the crop when it comes to our range of home loans on offer.",
    "brand": "Defence Bank",
    "brandName": "Defence Bank Limited",
    "applicationUri": "https://secure.defencebank.com.au/internetlending/public/start.aspx",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.defencebank.com.au/banking/home-loans/",
      "termsUri": "https://www.defencebank.com.au/banking/home-loans/essentials-home-loan---ultimate-package-fixed/",
      "eligibilityUri": "https://www.defencebank.com.au/banking/home-loans/essentials-home-loan---ultimate-package-fixed/",
      "feesAndPricingUri": "https://www.defencebank.com.au/banking/home-loans/essentials-home-loan---ultimate-package-fixed/",
      "additionalOverviewUris": [],
      "additionalTermsUris": [],
      "additionalEligibilityUris": [],
      "additionalFeesAndPricingUris": [],
      "additionalBundleUris": []
    },
    "cardArt": [],
    "bundles": [],
    "features": [
      {
        "featureType": "COMPLEMENTARY_PRODUCT_DISCOUNTS",
        "additionalValue": "No annual fee on our low rate credit card. - $22.50 donation to the Defence Bank Foundation still applies",
        "additionalInfo": "Credit Card"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No application or establishment fees."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No monthly fees."
      },
      {
        "featureType": "OTHER",
        "additionalValue": "To be eligible, you must meet Defence Home Ownership Assistance Scheme conditions.",
        "additionalInfo": "DHOAS home loan compatible.",
        "additionalInfoUri": "https://www.defencebank.com.au/dhoas"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Up to two facilities at first draw down or any time during term of loan",
        "additionalInfo": "Split Loan Facility"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "\"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\"",
        "additionalInfo": "Fixed rate option available"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Australia-based Contact Centre team who understand the unique challenges and opportunities of being in the defence community",
        "additionalInfo": "Australia-based Contact Centre"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Speak with a home loan consultant today to discuss your options",
        "additionalInfo": "Home Loan Consultants.",
        "additionalInfoUri": "https://www.defencebank.com.au/ourlenders"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "No fees for extra repayments."
      },
      {
        "featureType": "COMPLEMENTARY_PRODUCT_DISCOUNTS",
        "additionalValue": "No application fee on personal loans.",
        "additionalInfo": "Personal Loans."
      },
      {
        "featureType": "BONUS_REWARDS",
        "additionalValue": "0.15% p.a. bonus rate on term deposits.",
        "additionalInfo": "Term Deposits"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Quick and easy online application."
      },
      {
        "featureType": "OTHER",
        "additionalValue": "To access the Scheme, you need to meet borrower eligibility criteria.",
        "additionalInfo": "Australian Government 5% Deposit Scheme"
      },
      {
        "featureType": "COMPLEMENTARY_PRODUCT_DISCOUNTS",
        "additionalValue": "15% discount on selected CGU home, contents and landlord insurance.",
        "additionalInfo": "Insurance"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.95"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": "Australian residents only."
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalInfo": "18"
      },
      {
        "eligibilityType": "OTHER",
        "additionalValue": "Individuals must have capacity.",
        "additionalInfo": "Lending criteria."
      },
      {
        "eligibilityType": "OTHER",
        "additionalValue": "\"Purchase/Refinance Owner Occupied Home Improvements\"",
        "additionalInfo": "Purpose"
      },
      {
        "eligibilityType": "EMPLOYMENT_STATUS",
        "additionalInfo": "To be eligible, you must meet Defence Home Ownership Assistance Scheme conditions.",
        "additionalInfoUri": "https://www.defencebank.com.au/dhoas"
      }
    ],
    "fees": [
      {
        "name": "Rate lock fee",
        "feeType": "UPFRONT",
        "additionalInfo": "When you ask us to lock in a fixed, or guaranteed, rate of interest on a home loan. The amount of this fee is 0.15% of the fixed interest rate loan amount.",
        "additionalInfoUri": "https://www.defencebank.com.au/tools-and-advice/rates-fees-and-charges/home-loans/",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "BALANCE",
          "rate": "0.0015",
          "accrualFrequency": "Upfront",
          "amountRange": {
            "feeMinimum": "0.00",
            "feeMaximum": "999999.99"
          }
        },
        "discounts": []
      },
      {
        "name": "Break cost fee",
        "feeType": "EVENT",
        "additionalInfo": "Payable before expiry of any period when interest rate is fixed on any portion of loan due to loan being repaid, interest becoming variable or default. We calculate the ‘break cost’ using the following formula: Let n = the remaining number of months for which the rate is fixed. Let A = current outstandings. Let P = monthly scheduled payments. Let z = annual fixed interest rate payable monthly. Let y = annual reinvestment rate payable monthly. Let b = (1+y/12)n Let d = (1+z/12)n. Then the Break Value is given by: (A/b)*(d-b)+12P/(byz)*(z(b-1)-y(d-1)).",
        "additionalInfoUri": "https://www.defencebank.com.au/tools-and-advice/rates-fees-and-charges/home-loans/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "discounts": []
      },
      {
        "name": "Default notice (enforcement notice)",
        "feeType": "EVENT",
        "additionalInfo": "Payable each time we send you a notice relating to default on a loan",
        "additionalInfoUri": "https://www.defencebank.com.au/tools-and-advice/rates-fees-and-charges/home-loans/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "discounts": []
      },
      {
        "name": "Arrears reminder notice fee (per letter)",
        "feeType": "EVENT",
        "additionalInfo": "Payable each time we send you a reminder notice relating to arrears on a loan",
        "additionalInfoUri": "https://www.defencebank.com.au/tools-and-advice/rates-fees-and-charges/home-loans/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "discounts": []
      },
      {
        "name": "Ultimate Package Annual Fee",
        "feeType": "PERIODIC",
        "additionalValue": "P1Y",
        "additionalInfo": "Payable initially upon settlement of the property and then annually on the anniversary of the date on which the first annual package fee was paid when the loan is linked to the Ultimate Package.",
        "additionalInfoUri": "https://www.defencebank.com.au/tools-and-advice/rates-fees-and-charges/home-loans/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "96.00"
        },
        "discounts": []
      }
    ],
    "depositRates": [],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0684",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0639",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [],
        "additionalValue": "P1Y",
        "additionalInfo": "DHOAS Ultimate Package fixed (OO)",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/home-loans/"
      },
      {
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0682",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0649",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [],
        "additionalValue": "P2Y",
        "additionalInfo": "DHOAS Ultimate Package fixed (OO)",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/home-loans/"
      },
      {
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0681",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0655",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [],
        "additionalValue": "P3Y",
        "additionalInfo": "DHOAS Ultimate Package fixed (OO)",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/home-loans/"
      },
      {
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0679",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0655",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [],
        "additionalValue": "P4Y",
        "additionalInfo": "DHOAS Ultimate Package fixed (OO)",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/home-loans/"
      },
      {
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0677",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0655",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [],
        "additionalValue": "P5Y",
        "additionalInfo": "DHOAS Ultimate Package fixed (OO)",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/home-loans/"
      }
    ]
  }
}