Product Library

DHOAS Construction Loan

The Australian Military Bank Construction Loan is perfect for those wanting to build or renovate their homes. With interest only repayments to help you save during the construction period, our Construction Loan helps you to relax during this often stressful time available for DHOAS eligible applicants.

Category: Home Loans Last Updated June 4, 2026 Effective June 22, 2026

General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied Interest Only product. Additional Information

Interest Rate
6.84% PA

Comparison Rate
6.87%PA*

Comparison Warning: The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. The comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and Charges apply and are listed below. Your Results: Results are indicative only and may not apply to your borrowing requirements. Results will vary after a consulation.

Product rates will vary depending upon your financial position, LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Features

Extra Repayments

Other Additional Information: Split Loan

Loyalty Program

Product Eligibility

Employment Status - Applicants Must Be Currently Employed Or Receiving A Regular Income. Self Employed Clients Should Contact The Bank Prior To Applying.

Min Age - 18.

Residency Status - Individuals Must Be Citizens Or Permanent Residents Of Australia..

Natural Person

Bank Fees and Charges

Ratesaver Switch Fee (Event), Amount: 100.00. Additional Information: +3rd party costs- To switch to a RateSaver Loan

Consent Fee (Event), Amount: 250.00. Additional Information: For 2nd or subsequent mortgages or lease registration

Documentation Re-issue Fee (Event), Amount: 100.00. Additional Information: + 3rd party costs

Construction Loan Drawdown Fee (Event), Amount: 65.00.

Audit Certificate Fee (Event), Amount: 50.00. Additional Information: Per audit certificate requested

Copies Of Statements (over 12 Months) At Branch Or Posted (Event), Amount: 5.00. Additional Information: per page

Default Notice Fee (Event), Amount: 30.00. Additional Information: Payable when a notice is issued regarding a default under the contract

Copies Of Statements (up To 12 Months) At Branch (Event), Amount: 2.50.

Copies Of Statements (up To 12 Months) Posted (Event), Amount: 1.00. Additional Information: per page

Processing Fee (Upfront), Amount: 450.00.

Archive Retrieval Fee (Variable), Amount: Not Listed.. Additional Information: A $50 hourly fee applies plus any expenses incurred

Paper Statement Fee (per Statement) (Periodic), Amount: 2.00.

Arrears Notice Fee (Event), Amount: 20.00. Additional Information: 2nd and subsequent reminders by letter or phone

Switch/variation Fee - Home & Investment Loans (Event), Amount: 100.00. Additional Information: + 3rd party costs -To switch or vary home loans (other than switching to RateSaver)

Mortgage Discharge Fee (Event), Amount: 120.00. Additional Information: + 3rd party costs

Limitations & Restrictions (Constraints)

Max Limit of 5000000.00

Min Limit of 50000.00

Min Lvr of 0.00

Max Lvr of 0.0098

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