Lender profile · Home loans
LiveDefence Bank home loans
Defence Bank also offers savings accounts, term deposits and personal loans · Provider overview →
As of 18 September 2026, Defence Bank has 17 home loan products in 33 variants tracked by BankMate. Its lowest comparison rate for an owner-occupier paying principal and interest on a variable loan is 6.19% (DHOAS Premier Low Rate), ranking 18th of 107 variable owner-occupier P&I loans and sitting 0.57 points below the market average of 6.76%.
- Lowest comparison rate
- 6.19%
- DHOAS Premier Low Rate
- Market rank
- #18
- of 107 variable owner-occupier P&I loans
- Products
- 17
- 33 variants
- Last change
- —
- None recorded yet
Rates over time
Comparison rate of each product's headline variant- RBA cash rate
- Market average
- DHOAS Premier Low Rate
- Premier Low Rate
- Premier Investor Low Rate
- DHOAS Premier Home Loan
- Premier Home Loan
- Premier Investor Home Loan
- Ultimate Essentials DHOAS Fix
- Ultimate Essentials DHOAS
- Ultimate Essentials DHOAS Construction (OO)
- Ultimate Essentials Fixed
- Ultimate Essentials Variable
- Ultimate Essentials I/O Con
- Ultimate Essentials Investor Variable
- Ultimate Essentials Construction (INV)
- Ultimate Essential Inv Fixed
- Ultimate Essentials I/O Fixed
- Ultimate Essentials I/O
What changed
No changes recorded for Defence Bank's home loans since tracking began on 12 September 2026.
Home loans
Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rateVariable · 13
Variable · P&I · Owner-occupier · redraw · no ongoing fee
6.19%#18 of 107comparison · 6.19% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $250
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · redraw · no ongoing fee
6.24%#27 of 107comparison · 6.24% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $250
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · redraw · no ongoing fee
6.34%#8 of 81comparison · 6.34% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $250
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · offset account · redraw · no ongoing fee
6.54%#63 of 107comparison · 6.54% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $250
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · offset account · redraw · no ongoing fee
6.59%#68 of 107comparison · 6.59% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $250
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · offset account · redraw · no ongoing fee
6.69%#43 of 81comparison · 6.69% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $250
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · offset account · redraw
6.78%#78 of 107comparison · 6.69% advertised
- Application fee
- None
- Ongoing fee
- $8 a month
- Discharge fee
- None
- Package annual fee
- $96 a year
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · offset account
6.79%#80 of 107comparison · 6.69% advertised
- Application fee
- None
- Ongoing fee
- $8 a month
- Discharge fee
- None
- Package annual fee
- $96 a year
- Offset account
- Yes
- Redraw
- No
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · offset account · redraw
6.84%#83 of 107comparison · 6.74% advertised
- Application fee
- None
- Ongoing fee
- $8 a month
- Discharge fee
- None
- Package annual fee
- $96 a year
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Owner-occupier · offset account
6.84%#28 of 68comparison · 6.74% advertised
- Application fee
- None
- Ongoing fee
- $8 a month
- Discharge fee
- None
- Package annual fee
- $96 a year
- Offset account
- Yes
- Redraw
- No
- Extra repayments
- Yes
Variable · P&I · Investor · offset account · redraw
6.93%#54 of 81comparison · 6.84% advertised
- Application fee
- None
- Ongoing fee
- $8 a month
- Discharge fee
- None
- Package annual fee
- $96 a year
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Investor · offset account · redraw
6.93%#44 of 80comparison · 6.84% advertised
- Application fee
- None
- Ongoing fee
- $8 a month
- Discharge fee
- None
- Package annual fee
- $96 a year
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Investor · offset account
7.02%#50 of 80comparison · 6.94% advertised
- Application fee
- None
- Ongoing fee
- $8 a month
- Discharge fee
- None
- Package annual fee
- $96 a year
- Offset account
- Yes
- Redraw
- No
- Extra repayments
- Yes
Fixed · 4
5yr Fixed · P&I · Owner-occupier · 5 variants
1y 6.84%2y 6.82%3y 6.81%4y 6.79%5y 6.77%6.77%#24 of 49comparison · 6.55% advertised
- Application fee
- None
- Ongoing fee
- $8 a month
- Discharge fee
- None
- Package annual fee
- $96 a year
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
5yr Fixed · P&I · Owner-occupier · 5 variants
1y 6.88%2y 6.86%3y 6.84%4y 6.82%5y 6.80%6.80%#26 of 49comparison · 6.55% advertised
- Application fee
- None
- Ongoing fee
- $8 a month
- Discharge fee
- None
- Package annual fee
- $96 a year
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
5yr Fixed · P&I · Investor · 5 variants
6.94%#20 of 42comparison · 6.75% advertised
- Application fee
- None
- Ongoing fee
- $8 a month
- Discharge fee
- None
- Package annual fee
- $96 a year
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
5yr Fixed · Interest Only · Investor · 5 variants
6.98%#22 of 42comparison · 6.85% advertised
- Application fee
- None
- Ongoing fee
- $8 a month
- Discharge fee
- None
- Package annual fee
- $96 a year
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare all home loans · Home loan report
Notes on Defence Bank home loans
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