DHOAS Home Loans
DHOAS Home Loans
Australian Military Bank offers a range of low cost DHOAS (Defence Home Ownership Assistance Scheme) Home Loans, which have been designed to suit the needs of eligible Australian Defence Force home buyers. With a wide range of DHOAS Home Loans available, you'll have the flexibility to choose the loan type and repayment frequency to suit your budget.
Compare each of our specialist DHOAS Home Loans below.
Discounted rates may apply depending on your deposit. Ask about our best rate for you.
Loan
Features
Interest Rates2
starting from
Comparison Rates3
starting from
Maximum Loan to Value Ratio (LVR)4
Home Buyers Deposit Schemes6
Offset Facility Option
Redraw Facility
Extra Repayments
Ongoing Fees
Establishment Fee
Loan Period
Interest Only Option
Split Option (with other DHOAS loans)
Buying a Home
Refinance
Construction
Relationship Rewards5
Use the arrows to scroll through the many Australian Military Bank DHOAS Home Loans options RESET
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Our simple vanilla loan with a super-low variable rate, unlimited additional repayments as well as the ability to redraw.6.43% p.a.6.47% p.a.Up to 95%$0$0Up to 30 yearsNo
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Get the flexibility of a variable rate with the benefit of a 100% offset facility6.98% p.a.7.02% p.a.Up to 95%$0$450Up to 30 yearsNo
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Two year fixed home loan offering the security of knowing what your repayments will be6.70% p.a.6.96% p.a.Up to 90%$0$450Up to 30 yearsNo
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Variable rate home loan with the benefit of 100% offset facility6.98% p.a.7.02% p.a.Up to 95%$0$450Up to 30 yearsNo
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One year fixed home loan offering the security of knowing what your repayments will be6.70% p.a.6.99% p.a.Up to 90%$0$450Up to 30 years-
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Three year fixed home loan offering the security of knowing what your repayments will be6.70% p.a.6.94% p.a.Up to 90%$0$450Up to 30 yearsNo
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Five year fixed home loan offering the security of knowing what your repayments will be6.69% p.a.6.89% p.a.Up to 90%$0$450Up to 30 yearsNo
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A variable rate loan helping you to build your dream home, granny flat or renovate your existing home7.38% p.a.7.42% p.a.Up to 90%$65 per draw down$450Up to 2 yearsYes
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Note: Important Information please read
The small print
DHOAS Home Loan applications are subject to Australian Military Bank’s normal lending criteria. Full terms and conditions will be included with our loan offer. Fees and charges are applicable. Rates are effective from 21 November 2023 and are subject to change. Rates displayed on this page are not reference rates and are available for new loan applications only unless noted otherwise.
1 Rates shown apply during the fixed period of your loan. After the fixed period, your rate will switch to the applicable variable rate for a principal and interest loan. Terms and conditions apply.
2 Rates are current at the time of publication and are subject to change. The rates displayed are at 80% LVR (meaning that a minimum 20% deposit is required), excluding the DHOAS Ratesaver Home Loan where the interest rate is displayed displayed is at 70% LVR (meaning that a 30% deposit is required). The rates displayed are only available for new owner occupier, loan borrowings of $150,000 or more (excluding the DHOAS Construction Home Loan, the interest rate displayed is applicable for new loan borrowings of $50,000 or more).
3 Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. These rates are for secured loans only. The rates displayed are at 80% LVR (meaning that a minimum 20% deposit is required). WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
4 This amount is inclusive of Lenders Mortgage Insurance (LMI) premium. LMI is required when borrowing in excess of 80% LVR. Further restrictions may apply as required by our Lender’s Mortgage Insurance provider.
5 Based on total average monthly balance and applies to ATM, EFTPOS, Direct Debit and BPAY® transactions.
6 The First Home Loan Deposit Scheme is an Australian Government initiative to help first home buyers get into their first home sooner. Australian Military Bank is proud to be supporting the initiative and supporting eligible first home buyers enter the property market. This is available with Australian Military Bank from 1 February 2020. For more information, click here.
DHOAS Home Loan applications are subject to Australian Military Bank’s normal lending criteria. Full terms and conditions will be included with our loan offer. Fees and charges are applicable. Rates are effective from 21 November 2023 and are subject to change. Rates displayed on this page are not reference rates and are available for new loan applications only unless noted otherwise.
1 Rates shown apply during the fixed period of your loan. After the fixed period, your rate will switch to the applicable variable rate for a principal and interest loan. Terms and conditions apply.
2 Rates are current at the time of publication and are subject to change. The rates displayed are at 80% LVR (meaning that a minimum 20% deposit is required), excluding the DHOAS Ratesaver Home Loan where the interest rate is displayed displayed is at 70% LVR (meaning that a 30% deposit is required). The rates displayed are only available for new owner occupier, loan borrowings of $150,000 or more (excluding the DHOAS Construction Home Loan, the interest rate displayed is applicable for new loan borrowings of $50,000 or more).
3 Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. These rates are for secured loans only. The rates displayed are at 80% LVR (meaning that a minimum 20% deposit is required). WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
4 This amount is inclusive of Lenders Mortgage Insurance (LMI) premium. LMI is required when borrowing in excess of 80% LVR. Further restrictions may apply as required by our Lender’s Mortgage Insurance provider.
5 Based on total average monthly balance and applies to ATM, EFTPOS, Direct Debit and BPAY® transactions.
6 The First Home Loan Deposit Scheme is an Australian Government initiative to help first home buyers get into their first home sooner. Australian Military Bank is proud to be supporting the initiative and supporting eligible first home buyers enter the property market. This is available with Australian Military Bank from 1 February 2020. For more information, click here.
The Target Market Determinations (TMD) for our products are available here
The small print
DHOAS Home Loan applications are subject to Australian Military Bank’s normal lending criteria. Full terms and conditions will be included with our loan offer. Fees and charges are applicable. Rates are effective from 21 November 2023 and are subject to change. Rates displayed on this page are not reference rates and are available for new loan applications only unless noted otherwise.
1 Rates shown apply during the fixed period of your loan. After the fixed period, your rate will switch to the applicable variable rate for a principal and interest loan. Terms and conditions apply.
2 Rates are current at the time of publication and are subject to change. The rates displayed are at 80% LVR (meaning that a minimum 20% deposit is required), excluding the DHOAS Ratesaver Home Loan where the interest rate is displayed displayed is at 70% LVR (meaning that a 30% deposit is required). The rates displayed are only available for new owner occupier, loan borrowings of $150,000 or more (excluding the DHOAS Construction Home Loan, the interest rate displayed is applicable for new loan borrowings of $50,000 or more).
3 Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. These rates are for secured loans only. The rates displayed are at 80% LVR (meaning that a minimum 20% deposit is required). WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
4 This amount is inclusive of Lenders Mortgage Insurance (LMI) premium. LMI is required when borrowing in excess of 80% LVR. Further restrictions may apply as required by our Lender’s Mortgage Insurance provider.
5 Based on total average monthly balance and applies to ATM, EFTPOS, Direct Debit and BPAY® transactions.
6 The First Home Loan Deposit Scheme is an Australian Government initiative to help first home buyers get into their first home sooner. Australian Military Bank is proud to be supporting the initiative and supporting eligible first home buyers enter the property market. This is available with Australian Military Bank from 1 February 2020. For more information, click here.
DHOAS Home Loan applications are subject to Australian Military Bank’s normal lending criteria. Full terms and conditions will be included with our loan offer. Fees and charges are applicable. Rates are effective from 21 November 2023 and are subject to change. Rates displayed on this page are not reference rates and are available for new loan applications only unless noted otherwise.
1 Rates shown apply during the fixed period of your loan. After the fixed period, your rate will switch to the applicable variable rate for a principal and interest loan. Terms and conditions apply.
2 Rates are current at the time of publication and are subject to change. The rates displayed are at 80% LVR (meaning that a minimum 20% deposit is required), excluding the DHOAS Ratesaver Home Loan where the interest rate is displayed displayed is at 70% LVR (meaning that a 30% deposit is required). The rates displayed are only available for new owner occupier, loan borrowings of $150,000 or more (excluding the DHOAS Construction Home Loan, the interest rate displayed is applicable for new loan borrowings of $50,000 or more).
3 Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. These rates are for secured loans only. The rates displayed are at 80% LVR (meaning that a minimum 20% deposit is required). WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
4 This amount is inclusive of Lenders Mortgage Insurance (LMI) premium. LMI is required when borrowing in excess of 80% LVR. Further restrictions may apply as required by our Lender’s Mortgage Insurance provider.
5 Based on total average monthly balance and applies to ATM, EFTPOS, Direct Debit and BPAY® transactions.
6 The First Home Loan Deposit Scheme is an Australian Government initiative to help first home buyers get into their first home sooner. Australian Military Bank is proud to be supporting the initiative and supporting eligible first home buyers enter the property market. This is available with Australian Military Bank from 1 February 2020. For more information, click here.
The Target Market Determinations (TMD) for our products are available here