Ultimate Essentials DHOAS Construction (OO)

Defence Bank's Ultimate Essentials DHOAS Construction (OO) is a home loan open only to a stated occupation, employer or membership. The figures are the ones Defence Bank publishes under the Consumer Data Right today. The advertised rate last moved on 27 October 2026, up from 6.69% to 6.99%.

Advertised rate

6.99%

headline tier

Comparison rate

7.08%

as published

Last moved

+0.30pp

27 October 2026

Advertised rate, last 30 days. Between 6.69% and 6.99% over the last 30 days.

Every current rate (2)

Tier	Rate	Comparison
Variable, Owner occupier, P&I	6.99%	7.08%
Variable, Owner occupier, P&I, $250,000 to $750,000	6.99%	7.08%

Rate moves, last 30 days

27 October 2026: Variable, Owner occupier, P&I, $250,000 to $750,000 lifted 0.25pp, from 6.74% to 6.99%.
27 October 2026: Variable, Owner occupier, P&I lifted 0.30pp, from 6.69% to 6.99%.

Published fees

Fee	Amount
Arrears reminder notice fee (per letter)when it happens: Payable each time we send you a reminder notice relating to arrears on a loan	$20
Ultimate Package Annual Feerecurring: Payable initially upon settlement of the property and then annually on the anniversary of the date on which the first annual package fee was paid when the loan	$96
Default notice (enforcement notice)when it happens: Payable each time we send you a reminder notice relating to a default on a loan	$20

Other Defence Bank home loans

DHOAS Premier Low Rate 6.44%Premier Low Rate 6.49%Premier Investor Low Rate 6.59%Ultimate Essentials DHOAS Fix 6.74%Ultimate Essentials Fixed 6.74%DHOAS Premier Home Loan 6.79%Premier Home Loan 6.84%Ultimate Essentials Construction (INV) 6.84%Premier Investor Home Loan 6.94%Ultimate Essential Inv Fixed 6.94%Ultimate Essentials DHOAS 6.99%Ultimate Essentials I/O Con 7.04%

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