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Ultimate Essentials DHOAS Fix
Defence Bank's Ultimate Essentials DHOAS Fix 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 6.39% to 6.74%.
Advertised rate
6.74%
headline tier
Comparison rate
7.05%
as published
Last moved
+0.35pp
27 October 2026
Advertised rate, last 30 days. Between 6.39% and 6.74% over the last 30 days.
Every current rate (5)
| Tier | Rate | Comparison |
|---|---|---|
| Fixed 1 year, Owner occupier, P&I | 6.74% | 7.05% |
| Fixed 2 years, Owner occupier, P&I | 6.76% | 7.03% |
| Fixed 3 years, Owner occupier, P&I | 6.87% | 7.04% |
| Fixed 4 years, Owner occupier, P&I | 6.87% | 7.03% |
| Fixed 5 years, Owner occupier, P&I | 6.89% | 7.03% |
Rate moves, last 30 days
- 27 October 2026: Fixed 2 years, Owner occupier, P&I lifted 0.27pp, from 6.49% to 6.76%.
- 27 October 2026: Fixed 3 years, Owner occupier, P&I lifted 0.32pp, from 6.55% to 6.87%.
- 27 October 2026: Fixed 4 years, Owner occupier, P&I lifted 0.32pp, from 6.55% to 6.87%.
- 27 October 2026: Fixed 5 years, Owner occupier, P&I lifted 0.34pp, from 6.55% to 6.89%.
- 27 October 2026: Fixed 1 year, Owner occupier, P&I lifted 0.35pp, from 6.39% to 6.74%.
Published fees
| Fee | Amount |
|---|---|
| Rate lock feeupfront: When you ask us to lock in a fixed, or guaranteed, rate of interest on a home loan. | see lender |
| Break cost feewhen it happens: Payable before expiry of any period when interest rate is fixed on any portion of loan due to loan being repaid, interest becoming variable or default. | $0 |
| Default notice (enforcement notice)when it happens: Payable each time we send you a notice relating to default on a loan | $20 |
| 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 |
Other Defence Bank home loans
DHOAS Premier Low Rate 6.44%Premier Low Rate 6.49%Premier Investor Low Rate 6.59%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 DHOAS Construction (OO) 6.99%Ultimate Essentials I/O Con 7.04%
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