DHOAS 2 Year Fixed Rate Home Loan
The DHOAS 2 Year Fixed Rate Home Loan gives you the best of both worlds - peace of mind with the certainty of fixed rates, without being locked in for a long period of time.
2 year
fixed interest rate
Borrow
up to 90%
No monthly
or annual fees
Overview
The DHOAS 2 Year Fixed Rate Home Loan features:
- A competitive fixed interest rate for 2 years
- Minimum loan amount of $150,000
- Loan available for buying a home or refinancing
- Loan term up to 30 years
- Flexible repayment frequencies - pay weekly, fortnightly or monthly
- Split Option (with other DHOAS loans)
- No monthly or annual fees
Rates & Fees
Here’s everything you need to know about the rates and fees for the DHOAS 2 Year Fixed Rate Home Loan:
- Interest rate: 5.59% p.a.2
- Comparison rate: 6.54% p.a.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. 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.
- Establishment fee: $450
- Monthly fee: $0
- Annual fee: $0
- Mortgage discharge fee: $120 + early break fee
- Lenders Mortgage Insurance (LMI)4: Payable for loans with a deposit of less than 20%
- 3rd party charges: Stamp duty, legal fees and valuation fees apply
Additional fees may be payable. For more information please see our Fees and Charges Schedule.
Download our Fees and Charges Schedule
Questions
We’re often asked similar questions about our DHOAS 2 Year Fixed Rate Home Loan so here are our top five – can’t see your question? Call 1300 13 23 28.
starting from
starting from
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.5.89% p.a.5.92% 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 facility6.29% p.a.6.32% 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 be5.59% p.a.6.54% p.a.Up to 90%$0$450Up to 30 yearsNo
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Variable rate home loan with the benefit of 100% offset facility6.73% p.a.6.76% 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 be5.99% p.a.6.69% 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 be5.74% p.a.6.48% 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 be6.05% p.a.6.46% 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 home6.53% p.a.6.56% p.a.Up to 90%$65 per draw down$450Up to 2 yearsYes
The small print
Rates effective for new business from 27 March 2025. Lending criteria, terms, conditions, fees and charges (including early break fees) apply.
1 During an Interest Only period, your interest only repayments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.
2 Interest rates are based on new owner occupier home loans for $150,000 or more with a minimum deposit of:
- 40% for RateSaver and Value loans (incl. DHOAS) when making monthly principal & interest repayments,
- 10% for Fixed Rate loans (incl. DHOAS) when making monthly principal & interest repayments,
- 10% for Construction loans (incl. DHOAS) when making monthly interest only repayments,
- 5% for Standard Variable loans (incl. DHOAS) when making monthly principal & interest repayments.
Rates are available for new loan applications, include a discount to the applicable reference rate and subject to change.
At the end of the fixed period on the Fixed Rate Home Loans (incl. DHOAS), the loan will convert to the Standard Variable Home Loan (incl. DHOAS) at the applicable variable rate for a principal and interest loan.
3 Comparison rate based on a $150,000 secured loan over 25 years with monthly repayments. WARNING: This comparison rate applies only to the example given and may not include all fees and charges. Different terms, fees and loan amounts will result in a different comparison rate. Comparison rates for variable interest only home loans are based on an initial 5-year interest only period. Comparison rates for fixed rate interest only home loans are based on an initial interest only period equal in term to the fixed period.
4 Lenders Mortgage Insurance (LMI) is required when borrowing more than 80% loan to value ratio (LVR). Our LMI provider may require additional terms and conditions. The calculation of the maximum LVR includes the LMI premium (except for Construction Home Loan, where it’s exclusive of the LMI premium). Further restrictions may apply as required by our Lender’s Mortgage Insurance provider.
5 The Home Guarantee Scheme (HGS) is an Australian Government initiative to support eligible home buyers to buy a home sooner. The Scheme is administered by Housing Australia. You can find more information about the HGS on the Housing Australia website.
6 Based on total average monthly balance and applies to ATM, EFTPOS, Direct Debit and BPAY® transactions.
The Target Market Determinations (TMD) for our products are available here
® Registered to BPAY Pty Ltd ABN 69 079 137 518
The small print
Rates effective for new business from 27 March 2025. Lending criteria, terms, conditions, fees and charges (including early break fees) apply.
1 During an Interest Only period, your interest only repayments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.
2 Interest rates are based on new owner occupier home loans for $150,000 or more with a minimum deposit of:
- 40% for RateSaver and Value loans (incl. DHOAS) when making monthly principal & interest repayments,
- 10% for Fixed Rate loans (incl. DHOAS) when making monthly principal & interest repayments,
- 10% for Construction loans (incl. DHOAS) when making monthly interest only repayments,
- 5% for Standard Variable loans (incl. DHOAS) when making monthly principal & interest repayments.
Rates are available for new loan applications, include a discount to the applicable reference rate and subject to change.
At the end of the fixed period on the Fixed Rate Home Loans (incl. DHOAS), the loan will convert to the Standard Variable Home Loan (incl. DHOAS) at the applicable variable rate for a principal and interest loan.
3 Comparison rate based on a $150,000 secured loan over 25 years with monthly repayments. WARNING: This comparison rate applies only to the example given and may not include all fees and charges. Different terms, fees and loan amounts will result in a different comparison rate. Comparison rates for variable interest only home loans are based on an initial 5-year interest only period. Comparison rates for fixed rate interest only home loans are based on an initial interest only period equal in term to the fixed period.
4 Lenders Mortgage Insurance (LMI) is required when borrowing more than 80% loan to value ratio (LVR). Our LMI provider may require additional terms and conditions. The calculation of the maximum LVR includes the LMI premium (except for Construction Home Loan, where it’s exclusive of the LMI premium). Further restrictions may apply as required by our Lender’s Mortgage Insurance provider.
5 The Home Guarantee Scheme (HGS) is an Australian Government initiative to support eligible home buyers to buy a home sooner. The Scheme is administered by Housing Australia. You can find more information about the HGS on the Housing Australia website.
6 Based on total average monthly balance and applies to ATM, EFTPOS, Direct Debit and BPAY® transactions.
The Target Market Determinations (TMD) for our products are available here
® Registered to BPAY Pty Ltd ABN 69 079 137 518