NAB Defence Force Home Loan
As one of the first Defence Home Ownership Assistance Scheme (DHOAS) approved home loan providers, we’re committed to serving those who serve. Whether you’re still in the Australian Defence Force (ADF) or transitioning out, NAB is there for you. ADF members are eligible to apply for a NAB Defence Force Home Loan provided they satisfy the requirements under the DHOAS.
- From (owner occupied)
- 6.09%
- 6.22% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Based on customer relationship | 6.09% | 6.22% | — |
| Fixed · 1 year 1 year fixed term · Based on customer relationship | 6.49% | 6.88% | 1 year fixed term |
| Fixed · 3 years 3 years fixed term · Based on customer relationship | 6.49% | 6.83% | 3 years fixed term |
| Fixed · 4 years 4 years fixed term · Based on customer relationship | 6.49% | 6.81% | 4 years fixed term |
| Fixed · 5 years 5 years fixed term · Based on customer relationship | 6.49% | 6.78% | 5 years fixed term |
Fees
| Fee | Type | Amount |
|---|---|---|
| Mortgage Discharge Fee | Event | $350.00 |
| Production of documents | Event | $150.00 |
| Company name search | Event | $40.00 |
| Business name search | Event | $40.00 |
| Rate Lock Fee (for fixed rate home loans) | Event | 0.15% of transaction |
Features
- Offset account
- 100% offset arrangement option
- Redraw facility
- •Variable-rate periods only. •Minimum redraw $500.
- Construction lending available
- Ability to split your borrowing into a fixed rate loan and a variable rate loan.
- Extra repayments
- It is only applicable for variable rates
Eligibility
- Individuals only
- Minimum age — 18 years
- Restricted to eligible Australian Defence Force members
- Residency status — Australian citizen or permanent resident, or New Zealand citizen. Restrictions apply if residential address is an overseas addresss.
- Lending criteria apply.
Constraints
- Minimum limit — $20,000.00
- Maximum LVR — 95%
More Information
Published by NATIONAL AUSTRALIA BANK under the Consumer Data Right · Last updated 7 July 2026 · Product ID afc433d8-947a-46b5-9f51-d15d4fb8ba3b · View on CDR.gov.au · View Source Data (JSON)