DHOAS Loans

Our range of DHOAS home loans are specially tailored to those in the Australian Defence Forces – with great rates and flexibility.

DHOAS RateSaver Home Loan

DHOAS RateSaver Home Loan

The DHOAS RateSaver Home Loan is our simple vanilla loan with a super-low rate, unlimited additional repayments as well as the ability to redraw. Available for new loan applications received from the 4th of June; for new owner-occupied & investment home loans over $150,000.

Great

low rate

Redraw

Facility

No monthly

or annual fees

Overview

 

The DHOAS RateSaver Home Loan features:

 

  • Low interest rate
  • The option to make extra repayments to reduce your loan term
  • Loan term up to 30 years
  • Minimum loan amount of $150,000
  • Flexible repayment frequencies - pay weekly, fortnightly or monthly
  • Redraw facility
  • Split Option (with other DHOAS Loans)
  • No monthly or annual fees
  • Variable interest rate; not available for the purpose of Construction
Apply for the DHOAS RateSaver Home Loan online, over the phone on
1300 13 23 28 or by visiting your nearest branch.

Rates & Fees

 

Here’s everything you need to know about the rates and fees for the DHOAS RateSaver Home Loan:

  • Interest rate: 3.45% p.a.2
  • Comparison rate: 3.46% 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.

  • Monthly fee: $0
  • Annual fee: $0
  • Mortgage discharge fee: $300
  • No processing fee with a deposit of 20% or greater
  • 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

 

We’re often asked similar questions about our DHOAS RateSaver Home Loan – can’t see your question? Call 1300 13 23 28.

Can I make extra payments to the DHOAS RateSaver Home Loan?

Yes. You can make additional repayments to the DHOAS RateSaver Home Loan.

Can I redraw additional funds from the DHOAS RateSaver Home Loan?

Yes. If you’re ahead by more than one full repayment, you have the option to redraw money (minimum of $500) when you need it. A $10 fee applies per redraw. 

Can I link an offset account to the DHOAS RateSaver Home Loan?

An 'Offset Facility' is NOT available with the DHOAS RateSaver Home Loan.

Can I split my DHOAS RateSaver Home Loan with another home loan?

Yes. You can split your DHOAS RateSaver Home Loan with another home loan as long as the DHOAS RateSaver Home Loan portion is equal to or greater than $150,000. For example, your DHOAS RateSaver Home Loan is $200,000 split with a $200,000 DHOAS Fixed Rate Home Loan - $400,000 total.

Can I choose my repayment frequency?

Yes. You can choose the repayment frequency that best suits you - weekly, fortnightly or monthly repayments.

Is the DHOAS RateSaver Home Loan available as 'Interest Only'?

There is no interest only option available on the DHOAS RateSaver Home Loan.

Can I use the DHOAS RateSaver Home Loan for the purpose of construction?

The DHOAS RateSaver Home Loan cannot be used for the purpose of construction.

Can I switch my existing Australian Military Bank Home Loan to a DHOAS RateSaver Home Loan?

No, the DHOAS RateSaver Home Loan is only available for new loan applications received from the 4th of June 2019 for loans equal to or greater than $150,000.

Can I apply for a RateSaver Home Loan for an investment property?

Yes. The Investment RateSaver Home Loan is available for new Investment Home Loan applications received from the 4th of June 2019 for loans equal to or greater than $150,000. For more infomation about the Investment RateSaver Home Loan, click here

Features
Interest Rate2
Comparison Rate3
Maximum Loan to Value Ratio (LVR)4
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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