NAB
NAB 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.
Home loansBank updated 17 Sept 2026
At a glance
- Variable (owner occ. P&I)
- 6.09% · 6.22% comparison
- Fixed
- 1 yr 6.59% · 2 yrs 6.49% · 3 yrs 6.64% · 4 yrs 6.64% · 5 yrs 6.64%
- Max LVR
- 95%
- Features
- offset, redraw, extra repayments
§ 01 — Rates · 7
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed1 year fixed term | Owner occupied · P&I | 1 yr fixed | — | 6.59% | 6.90% | Based on customer relationship |
| Fixed2 years fixed term | Owner occupied · P&I | 2 yrs fixed | — | 6.49% | 6.86% | Based on customer relationship |
| Fixed3 years fixed term | Owner occupied · P&I | 3 yrs fixed | — | 6.64% | 6.87% | Based on customer relationship |
| Fixed4 years fixed term | Owner occupied · P&I | 4 yrs fixed | — | 6.64% | 6.86% | Based on customer relationship |
| Fixed5 years fixed term | Owner occupied · P&I | 5 yrs fixed | — | 6.64% | 6.85% | Based on customer relationship |
| Variable | Owner occupied · P&I | — | — | 6.09% | 6.22% | 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 | — | — | 6.79% | 6.92% | 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. |
§ 02 — Fees · 5
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Business name search | Event | $40 | — | — |
| Company name search | Event | $40 | — | — |
| Mortgage Discharge Fee | Event | $350 | — | — |
| Production of documents | Event | $150 | — | — |
| Rate Lock Fee (for fixed rate home loans) | Event | 0.15% of transaction | — | — |
§ 03 — Features
Offset accountRedrawExtra repayments
- · Construction lending available
- · Ability to split your borrowing into a fixed rate loan and a variable rate loan.
§ 04 — Eligibility & 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 $20,000 to no maximum
- · Maximum LVR 95%
- · Restricted to eligible Australian Defence Force members
- · Lending criteria apply.
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by NATIONAL AUSTRALIA BANK under the Consumer Data Right, last changed by them on 17 Sept 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.