---
title: "NAB Defence Force Home Loan — NATIONAL AUSTRALIA BANK"
description: "Home Loans from NATIONAL AUSTRALIA BANK. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/national-australia-bank/products/afc433d8-947a-46b5-9f51-d15d4fb8ba3b
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-22T13:59:59Z
---

# NAB Defence Force Home Loan — NATIONAL AUSTRALIA BANK

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

**Home Loans**

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.

## At a glance

- **From (owner occupied):** 6.09% (6.22% comparison)

## Apply

Applications are handled by the provider: [Apply at NATIONAL AUSTRALIA BANK](https://www.nab.com.au/personal/home-loans/nab-defence-force-home-loan)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Based on customer relationship) | 6.09% | 6.22% | — |
| Fixed · 2 years (2 years fixed term · Based on customer relationship) | 6.34% | 6.83% | 2 years fixed term |
| Fixed · 1 year (1 year fixed term · Based on customer relationship) | 6.44% | 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 |
| Variable (Based on customer relationship) | 6.79% | 6.92% | — |

## 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 from NATIONAL AUSTRALIA BANK

- [Overview](https://www.nab.com.au/personal/home-loans/nab-defence-force-home-loan)
- [Terms & conditions](https://www.nab.com.au/personal/home-loans/nab-defence-force-home-loan)
- [Eligibility](https://www.nab.com.au/personal/home-loans/nab-defence-force-home-loan)
- [Fees & pricing](https://www.nab.com.au/important-information/personal/fees-charges)
- [Bundle information](https://www.nab.com.au/personal/home-loans/nab-defence-force-home-loan/nab-defence-force-home-loan-choice-package)

## Data provenance

- Published by NATIONAL AUSTRALIA BANK under the Consumer Data Right
- Product ID: `afc433d8-947a-46b5-9f51-d15d4fb8ba3b`
- Last updated by the provider: 22 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/national-australia-bank/afc433d8-947a-46b5-9f51-d15d4fb8ba3b
- Provider page: https://www.cdrcompare.au/brands/national-australia-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000004

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/national-australia-bank/products/afc433d8-947a-46b5-9f51-d15d4fb8ba3b) — 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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