---
title: "DHOAS Premier Low Rate — Defence Bank"
description: "Home Loans from Defence Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/defence-bank/products/842
source: "CDR Compare"
language: en-AU
last_updated: 2026-05-20T00:00:00.000+10:00
---

# DHOAS Premier Low Rate — Defence Bank

> Home Loans from Defence Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans · Defence Bank Limited**

The Premier low rate home loan is a fuss-free approach to being handed the keys of your new home.

## At a glance

- **From (owner occupied):** 6.19% (6.19% comparison)

## Apply

Applications are handled by the provider: [Apply at Defence Bank](https://secure.defencebank.com.au/internetlending/public/start.aspx)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (DHOAS Premier Low Rate home loan ≤70.00% LVR) | 6.19% | 6.19% | — |
| Variable (DHOAS Premier Low Rate home loan ≥70.01% LVR) | 6.44% | 6.44% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Solicitors and other parties actioning requests (may be payable) — These fees and or charges may be payable and are determined by solicitors or other parties actioning requests. We are unable to ascertain these fees or charges up front until they charged, and they may vary. | Event | $0.00 |
| Security discharge administration fee — Payable when we process a discharge of a security over real property. | Event | $250.00 |
| Arrears reminder notice fee (per letter) — Payable each time we send you a reminder notice relating to arrears on a loan | Event | $20.00 |
| Default notice (enforcement notice) — Payable each time we send you a reminder notice relating to a default on a loan | Event | $20.00 |

## Features

- **Digital banking** (Quick and easy online application.)
- **No application fees.**
- **No monthly fees.**
- **No Annual fees.**
- **DHOAS home loan compatible.** — To be eligible, you must meet Defence Home Ownership Assistance Scheme conditions.
- **Australia-based Contact Centre** — Australia-based Contact Centre team who understand the unique challenges and opportunities of being in the defence community
- **Home Loan Consultants** — Speak with a home loan consultant today to discuss your options
- **Extra repayments** (No fees for extra repayments.)
- **Redraw facility** (Free loan redraw (min $50).)
- **Digital banking** (Redraw facility available online)
- **Australian Government 5% Deposit Scheme** — To access the Scheme, you need to meet borrower eligibility criteria.

## Eligibility

- **Residency status** (Australian residents only.)
- **Employment status** — To be eligible, you must meet Defence Home Ownership Assistance Scheme eligibility criteria. . (Restricted to eligible Defence Force members.)
- **Minimum age** (18)
- **Individuals must have capacity.** — Lending criteria.

## Constraints

- **Maximum LVR** — 95%

## More information from Defence Bank

- [Overview](https://www.defencebank.com.au/banking/home-loans/premier-low-rate-home-loan/)
- [Terms & conditions](https://www.defencebank.com.au/banking/home-loans/premier-low-rate-home-loan/)
- [Eligibility](https://www.defencebank.com.au/banking/home-loans/premier-low-rate-home-loan/)
- [Fees & pricing](https://www.defencebank.com.au/banking/home-loans/premier-low-rate-home-loan/)

## Data provenance

- Published by Defence Bank under the Consumer Data Right
- Product ID: `842`
- Last updated by the provider: 19 May 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/defence-bank/842
- Provider page: https://www.cdrcompare.au/brands/defence-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000117

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/defence-bank/products/842) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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