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Defence Bank · Home loans
Ultimate Essentials Fixed
Defence Bank's Ultimate Essentials Fixed is a home loan. 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
7.09%
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% | 7.09% |
| Fixed 2 years, Owner occupier, P&I | 6.76% | 7.07% |
| Fixed 3 years, Owner occupier, P&I | 6.87% | 7.08% |
| Fixed 4 years, Owner occupier, P&I | 6.87% | 7.06% |
| Fixed 5 years, Owner occupier, P&I | 6.89% | 7.06% |
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 |
|---|---|
| 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 reminder notice relating to a default on a loan | $20 |
| Rate lock feeupfront: When you ask us to lock in a fixed, or guaranteed, rate of interest on a home loan. | see lender |
| 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 annually on the anniversary of the date on which the first annual package fee was paid when the loan is linked to the Ultimate Package | $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 DHOAS Fix 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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