Ultimate Essentials DHOAS
The cream of the crop when it comes to our range of home loans on offer.
- From (owner occupied)
- 6.69%
- 6.78% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable DHOAS Ultimate Package variable over $750k | 6.69% | 6.78% | — |
| Variable DHOAS Ultimate Package variable $250k - $750k | 6.74% | 6.83% | — |
| Variable DHOAS Ultimate Package variable under $250k | 6.79% | 6.88% | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Ultimate Package Annual Fee Charged yearly · 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. | Ongoing | $96.00 |
| Default notice (enforcement notice) Payable each time we send you a reminder notice relating to default on a loan | Event | $20.00 |
| Arrears reminder notice fee (per letter) Payable each time we send you a reminder notice relating to arrears on a loan | Event | $20.00 |
Features
- No application or establishment fees.
- No monthly fees.
- DHOAS home loan compatible. — To be eligible, you must meet Defence Home Ownership Assistance Scheme conditions.
- Loan Portability
- Split Loan Facility — Up to two facilities at first draw down or any time during term of loan
- Fixed rate option available — Loan can be switched between Variable/Fixed interest rates Interest rate can be fixed for 1,2,3,4 or 5 years
- Australia-based Contact Centre — Australia-based Contact Centre team who understand the unique challenges and opportunities of being in the defence community.
Eligibility
- Employment status — To be eligible, you must meet Defence Home Ownership Assistance Scheme conditions.
- Residency statusAustralian residents only.
- Minimum age18
- Lending criteria. — Individuals must have capacity.
- Purpose — "Purchase/Refinance Owner Occupied Home Improvements"
Constraints
- Maximum LVR — 95%
More Information
Published by Defence Bank under the Consumer Data Right · Last updated 19 May 2026 · Product ID 805 · View on CDR.gov.au