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 December 21, 2025 Effective December 22, 2025

General Lending Rates

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

Interest Rate
5.99% PA

Comparison Rate
6.02%PA*

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

Loyalty Program

Other Additional Information: Split Loan

Product Eligibility

Min Age - 18.

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

Natural Person

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

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

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

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

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

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)

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) Posted (Event), Amount: 1.00. Additional Information: per page

Processing Fee (Upfront), Amount: 450.00.

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

Archive Retrieval Fee (Variable), Amount: 50.00. Additional Information: A $50 hourly fee applies plus any expenses incurred

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

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

Limitations & Restrictions (Constraints)

Min Limit of 50000.00

Max Limit of 5000000.00

Min Lvr of 0.00

Max Lvr of 0.98

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