DHA Investment Loan
The Defence Housing Australia (DHA) Investment Loan is specifically for investors wanting to build their property portfolio with Defence Housing Australia. DHA properties offer guaranteed rental income, long term leases, quality properties and no tenanting obligations.

$0 annual
fees

Split
loan option

Borrow
up to 90%4
Overview
The DHA Investment Loan has a number of features and options:
- Variable interest rate
- Minimum loan amount of $150,000
- Loan term up to 30 years
- Additional repayments
- Flexible repayment frequencies - pay weekly, fortnightly or monthly
- Split Option (with other Australian Military Bank home loans)
- Offset available (on loans with principal and interest repayments only)
- Borrow up to 90% of the property value4
- Principal and interest or interest only2 repayments

Rates & Fees
Here’s everything you need to know about the rates and fees for the DHA Investment Loan:
- Variable rate
Principal and Interest
- Interest rate: 3.94% p.a.2
- Comparison rate*: 3.98% p.a.3
Interest Only
- Interest rate: 3.94% p.a.2
- Comparison rate*: 3.98% p.a.3
*Comparison rate based on a loan of $150,000 repaid over 25 years. WARNING: The comparison rate is applicable 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.
- Application fee: $500
- Monthly fee: $8
- Annual fee: $0
- Mortgage discharge fee: $300
- 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 Schedule of Fees and Charges.
Download our Schedule of Fees and Charges

Questions
Yes, the DHA Investment Loan is designed specifically for the purpose of investing in Defence Housing.
Can I split this loan?
Yes. This home loan can be split with other Australian Military Bank home loans.
Can I redraw additional repayments from my loan?
Yes, a redraw facility is available on the DHA Investment Home Loan.
Can I have a credit card to go with my loan?
Once your application is approved you’ll also be pre-approved for our Low Rate Visa Credit Card. Fees and charges apply.

starting from
starting from
Use the arrows to scroll through the many Australian Military Bank Investment Home Loans options RESET
-
Vanilla loan with a super-low rate3.54% p.a.3.58% p.a.Up to 90%$0$0Principal and Interest only$150,000Up to 30 yearsInvestor
-
Great features matched with great flexibility3.94% p.a.3.98% p.a.Up to 90%$0$0Principal and interest or interest only4$30,000Up to 30 yearsInvestor
-
Great features matched with great flexibility3.94% p.a.3.98% p.a.Up to 80%$0$0Interest only$30,000Up to 30 yearsInvestor
-
Letting you plan financially with the certainty of fixed repayments at a competitive rate5.89% p.a.4.34% p.a.Up to 90%$0$0Principal and interest$150,000Up to 30 yearsInvestor
-
Letting you plan financially with the certainty of fixed repayments at a competitive rate6.49% p.a.4.67% p.a.Up to 90%$0$0Principal and interest$150,000Up to 30 yearsInvestor
-
Designed specifically for the purpose of investing in Defence Housing3.94% p.a.3.98% p.a.Up to 90%$0$0Principal and interest$150,000Up to 30 yearsInvestor
-
Designed specifically for the purpose of investing in Defence Housing3.94% p.a.3.98% p.a.Up to 80%$0$0Interest only$150,000Up to 30 yearsInvestor
-
Helping you build a dream home, a granny flat or renovate an existing home.4.54% p.a.4.58% p.a.Up to 90%$0$0Principal and interest or interest only4$50,0002 yearsConstruction Investor
The small print
Rates are effective from 27 July 2022 and are subject to change. Terms, conditions, fees, charges and lending criteria apply. These are available at the time of application. 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. Separate Interest Rates and Comparison Rates apply for Interest Only loans. Contact us to find out more.
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). The rates displayed are only available for new investors, loan borrowings of $150,000 or more (excluding the DHA Investment Loan and Investment Home Loan, the interest rate displayed is applicable for new loan borrowings of $250,000 or more).
3 Comparison rate is calculated on a loan amount of $150,000 over a 25-year term. The rates displayed are at 80% LVR (meaning that a minimum 20% deposit is required). WARNING: The comparison rate is applicable 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.
4 This amount is excluding 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
® Registered to BPAY Pty Ltd ABN 69 079 137 518
The small print
Rates are effective from 27 July 2022 and are subject to change. Terms, conditions, fees, charges and lending criteria apply. These are available at the time of application. 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. Separate Interest Rates and Comparison Rates apply for Interest Only loans. Contact us to find out more.
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). The rates displayed are only available for new investors, loan borrowings of $150,000 or more (excluding the DHA Investment Loan and Investment Home Loan, the interest rate displayed is applicable for new loan borrowings of $250,000 or more).
3 Comparison rate is calculated on a loan amount of $150,000 over a 25-year term. The rates displayed are at 80% LVR (meaning that a minimum 20% deposit is required). WARNING: The comparison rate is applicable 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.
4 This amount is excluding 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
® Registered to BPAY Pty Ltd ABN 69 079 137 518