Home loan · 4yr Fixed
Ultimate Essentials Fixed
7.06%comparison rate p.a. · 6.87% advertised · With the Ultimate Package · $96 a year
4yr Fixed · P&I · Owner-occupier · ≤95% LVR
26th of 37 4-year fixed owner-occupier 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 · Owner-occupier · ≤95% LVR
- 7.09% comparison · 6.74% advertised
- 1yr Fixed · Interest Only · Investor · ≤95% LVR
- 7.21% comparison · 7.04% advertised
- 2yr Fixed · P&I · Owner-occupier · ≤95% LVR
- 7.07% comparison · 6.76% advertised
- 2yr Fixed · Interest Only · Investor · ≤95% LVR
- 7.21% comparison · 7.06% advertised
- 3yr Fixed · P&I · Owner-occupier · ≤95% LVR
- 7.08% comparison · 6.87% advertised
- 3yr Fixed · Interest Only · Investor · ≤95% LVR
- 7.23% comparison · 7.17% advertised
- 4yr Fixed · P&I · Owner-occupier · ≤95% LVR
- 7.06% comparison · 6.87% advertised
- 4yr Fixed · Interest Only · Investor · ≤95% LVR
- 7.23% comparison · 7.17% advertised
- 5yr Fixed · P&I · Owner-occupier · ≤95% LVR
- 7.06% comparison · 6.89% advertised
- 5yr Fixed · Interest Only · Investor · ≤95% LVR
- 7.24% comparison · 7.19% 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
- Yes
- Repayment holiday
- No
- Ultimate Essentials Fixed · 4yr Fixed · P&I · Owner-occupier
- RBA cash rate
October 20262 changes
- 27Tue
- 5 variants up 0.21 to 0.2627 days after the RBA rise to 4.60%+0.21 to +0.26All Interest Only · Investor · ≤95% LVR
1yr Fixed 7.00 7.21 +0.21 2yr Fixed 6.99 7.21 +0.22 3yr Fixed 7.00 7.23 +0.23 4yr Fixed 6.99 7.23 +0.24 5yr Fixed 6.98 7.24 +0.26 - 5 variants up 0.21 to 0.2627 days after the RBA rise to 4.60%+0.21 to +0.26All P&I · Owner-occupier · ≤95% LVR
1yr Fixed 6.88 7.09 +0.21 2yr Fixed 6.86 7.07 +0.21 3yr Fixed 6.84 7.08 +0.24 4yr Fixed 6.82 7.06 +0.24 5yr Fixed 6.80 7.06 +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 Variable 7.13% · Ultimate Essential Inv Fixed 7.19% · Ultimate Essentials I/O 7.23%
As of 1 November 2026, the Defence Bank Ultimate Essentials Fixed's 4-year fixed owner-occupier P&I variant has a comparison rate of 7.06% (6.87% advertised), ranking 26th of 37 4-year fixed owner-occupier P&I loans. The product comes in 10 variants; the others are investor, interest-only 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.