Home loan · 2yr Fixed
Ultimate Essential Inv Fixed
7.19%comparison rate p.a. · 6.96% advertised · With the Ultimate Package · $96 a year
2yr Fixed · P&I · Investor · ≤95% LVR
35th of 50 2-year fixed investor P&I loans
The same choices at every rate type
Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- None
- 1yr Fixed · P&I · Investor · ≤95% LVR
- 7.20% comparison · 6.94% advertised
- 2yr Fixed · P&I · Investor · ≤95% LVR
- 7.19% comparison · 6.96% advertised
- 3yr Fixed · P&I · Investor · ≤95% LVR
- 7.21% comparison · 7.07% advertised
- 4yr Fixed · P&I · Investor · ≤95% LVR
- 7.20% comparison · 7.07% advertised
- 5yr Fixed · P&I · Investor · ≤95% LVR
- 7.20% comparison · 7.09% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- None
- Package (Ultimate Package)
- $96 a year
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Ultimate Essential Inv Fixed · 2yr Fixed · P&I · Investor
- RBA cash rate
October 20261 change
- 27Tue
- 5 variants up 0.21 to 0.2627 days after the RBA rise to 4.60%+0.21 to +0.26All P&I · Investor · ≤95% LVR
1yr Fixed 6.99 7.20 +0.21 2yr Fixed 6.98 7.19 +0.21 3yr Fixed 6.97 7.21 +0.24 4yr Fixed 6.96 7.20 +0.24 5yr Fixed 6.94 7.20 +0.26
The cream of the crop when it comes to our range of home loans on offer.
Also from Defence Bank: Premier Low Rate 6.74% · Premier Home Loan 6.84% · Ultimate Essentials Fixed 7.06% · Ultimate Essentials Variable 7.13% · Ultimate Essentials I/O 7.23%
As of 3 November 2026, the Defence Bank Ultimate Essential Inv Fixed's 2-year fixed investor P&I variant has a comparison rate of 7.19% (6.96% advertised), ranking 35th of 50 2-year fixed investor P&I loans. The product comes in 5 variants; the others are investor and other fixed terms. Its rate last moved on 27 October 2026, 27 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.