NABNAB Defence Force Home Loan
As one of the first Defence Home Ownership Assistance Scheme (DHOAS) approved home loan providers, we’re committed to serving those who serve. Whether you’re still in the Australian Defence Force (ADF) or transitioning out, NAB is there for you. ADF members are eligible to apply for a NAB Defence Force Home Loan provided they satisfy the requirements under the DHOAS.
At a glance
- Variable (owner occ. P&I)
- 6.29%6.42% comparison
- Fixed
- 1 yr 6.79%, 2 yrs 6.81%, 3 yrs 6.92%, 4 yrs 6.92%, 5 yrs 6.94%
- Max LVR
- 95%
- Features
- offset, redraw, extra repayments
Rates
Every rate NAB publishes for this home loan, 7 in all.
Variable and fixed, at 80% LVR
Owner occupier, principal and interest, the lowest rate for each
- Variabletypical 6.38%6.29%
- 1 yr fixedtypical 6.59%6.79%
- 2 yrs fixedtypical 6.62%6.81%
- 3 yrs fixedtypical 6.69%6.92%
- 4 yrs fixed6.92%
- 5 yrs fixedtypical 6.89%6.94%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed1 year fixed term | Owner occupied, P&I | 1 yr fixed | - | 6.79% | 7.14% | Based on customer relationship |
| Fixed2 years fixed term | Owner occupied, P&I | 2 yrs fixed | - | 6.81% | 7.12% | Based on customer relationship |
| Fixed3 years fixed term | Owner occupied, P&I | 3 yrs fixed | - | 6.92% | 7.13% | Based on customer relationship |
| Fixed4 years fixed term | Owner occupied, P&I | 4 yrs fixed | - | 6.92% | 7.12% | Based on customer relationship |
| Fixed5 years fixed term | Owner occupied, P&I | 5 yrs fixed | - | 6.94% | 7.12% | Based on customer relationship |
| Variable | Owner occupied, P&I | - | - | 6.29% | 6.42% | Based on customer relationship; The rate displayed is the minimum advertised rate for the product. The actual interest rate will depend on the customer’s personal circumstances and loan attributes, including their loan amount, loan… |
| Variable | Owner occupied, P&I | - | - | 7.04% | 7.16% | Based on customer relationship; The rate displayed is the maximum rate for the product. For information on the range of rates, please visit the Home Loans product page or visit your nearest branch. |
Rate changes
10 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 3 Oct 2026 | Fixed, Owner occupied, P&I, 1 yr fixed | 6.59% | 6.79% | up 0.20 |
| 3 Oct 2026 | Fixed, Owner occupied, P&I, 2 yrs fixed | 6.49% | 6.81% | up 0.32 |
| 3 Oct 2026 | Fixed, Owner occupied, P&I, 3 yrs fixed | 6.64% | 6.92% | up 0.28 |
| 3 Oct 2026 | Fixed, Owner occupied, P&I, 4 yrs fixed | 6.64% | 6.92% | up 0.28 |
| 3 Oct 2026 | Fixed, Owner occupied, P&I, 5 yrs fixed | 6.64% | 6.94% | up 0.30 |
| 18 Sept 2026 | Fixed, Owner occupied, P&I, 1 yr fixed | 6.44% | 6.59% | up 0.15 |
| 18 Sept 2026 | Fixed, Owner occupied, P&I, 2 yrs fixed | 6.34% | 6.49% | up 0.15 |
| 18 Sept 2026 | Fixed, Owner occupied, P&I, 3 yrs fixed | 6.49% | 6.64% | up 0.15 |
| 18 Sept 2026 | Fixed, Owner occupied, P&I, 4 yrs fixed | 6.49% | 6.64% | up 0.15 |
| 18 Sept 2026 | Fixed, Owner occupied, P&I, 5 yrs fixed | 6.49% | 6.64% | up 0.15 |
Each change is logged the night it appears in the rates National Australia Bank publishes. See how every lender answered the RBA on the rate tracker.
Fees
5 fees published, grouped by when they're charged.
When particular things happen5
- Business name search$40
- Company name search$40
- Mortgage Discharge Fee$350
- Production of documents$150
- Rate Lock Fee (for fixed rate home loans)0.15% of transaction
Features
- Construction lending available
- Ability to split your borrowing into a fixed rate loan and a variable rate loan.
Eligibility and limits
- Minimum age 18
- Residency: Australian citizen or permanent resident, or New Zealand citizen. Restrictions apply if residential address is an overseas addresss.
- Available to individuals
- Amount from $20,000, no maximum
- Maximum LVR 95%
- Restricted to eligible Australian Defence Force members
- Lending criteria apply.
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Published by National Australia Bank under the Consumer Data Right, last changed by them on 10 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.