Defence Bank home loan interest rates for owner-occupier principal & interest loans — 3 products, variable and fixed, with comparison rates, fees and current offers. Updated 2026-10-27.
| Loan | Variable | Fixed (duration) | Comparison | Fees | Special offers |
|---|---|---|---|---|---|
| Premier Low Rate Home Loan auto-updated 2026-10-27 | 6.49% | — | 6.49% | Owner-occupier principal & interest at LVR up to 70% (6.49% p.a. at LVR above 70%). A DHOAS version of this loan (5.99% p.a. at LVR up to 70%) is restricted to ADF members receiving the Defence Home Ownership Assistance Scheme subsidy and is not tracked here. | — |
| Premier Home Loan auto-updated 2026-10-27 | 6.84% | — | 6.84% | Owner-occupier variable rate packaged with an offset account and a fee-free credit card. | ★ Offset account and fee-free credit card on the Premier package |
| Essentials Home Loan — Ultimate Package (fixed) | — | 1yr 6.74%2yr 6.76%3yr 6.87%4yr 6.87%5yr 6.89% | 7.06% – 7.09% | Owner-occupier fixed rates on the Essentials home loan with the Ultimate Package. Variable Essentials rates are priced by loan size ($250k-$750k and $750k+ tiers). | — |
About Defence Bank
Defence Bank is a customer-owned bank serving the Australian Defence Force community, with membership open to ADF members, veterans, their families and defence industry employees. It is the main provider of DHOAS-subsidised home loans.
- Website: www.defencebank.com.au
- Contact: 1800 033 139
Current Defence Bank rates: lowest variable 6.49%, lowest fixed 6.74%.
Rate source: https://www.defencebank.com.au/tools-and-advice/rates-fees-and-charges/home-loans/.