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.6.14% p.a.6.17% p.a.Up to 98%$0$0Up to 30 yearsNo
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Get the flexibility of a variable rate with the benefit of a 100% offset facility6.54% p.a.6.57% p.a.Up to 98%$0$450Up to 30 yearsNo
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Two year fixed home loan offering the security of knowing what your repayments will be6.39% p.a.7.02% p.a.Up to 98%$0$450Up to 30 yearsNo
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Variable rate home loan with the benefit of 100% offset facility7.14% p.a.7.18% p.a.Up to 98%$0$450Up to 30 yearsNo
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One year fixed home loan offering the security of knowing what your repayments will be6.25% p.a.7.08% p.a.Up to 98%$0$450Up to 30 years-
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Three year fixed home loan offering the security of knowing what your repayments will be6.39% p.a.6.96% p.a.Up to 98%$0$450Up to 30 yearsNo
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Five year fixed home loan offering the security of knowing what your repayments will be6.39% p.a.6.84% p.a.Up to 98%$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 home6.79% p.a.6.83% p.a.Up to 98%$65 per draw down$450Up to 2 yearsYes
The small print
Rates effective for new business from 1 April 2026. 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 with a Loan to Value Ratio (LVR) of:
- 70% for RateSaver and Value loans (incl. DHOAS) when making monthly principal & interest repayments,
- 98% for Fixed Rate loans (incl. DHOAS) when making monthly principal & interest repayments,
- 98% for Construction loans (incl. DHOAS) when making monthly interest only repayments,
- 98% 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. A minimum 5% depoit is required.
5 The Australian Government 5% Deposit Scheme 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 Scheme on the First Home Buyers 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 1 April 2026. 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 with a Loan to Value Ratio (LVR) of:
- 70% for RateSaver and Value loans (incl. DHOAS) when making monthly principal & interest repayments,
- 98% for Fixed Rate loans (incl. DHOAS) when making monthly principal & interest repayments,
- 98% for Construction loans (incl. DHOAS) when making monthly interest only repayments,
- 98% 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. A minimum 5% depoit is required.
5 The Australian Government 5% Deposit Scheme 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 Scheme on the First Home Buyers 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