RBA Cash Rate: 4.35% · 1AUD = 0.71 USD · Inflation: 3.8%  
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Example Interest Rates: Home Loan Variable: 5.69% (5.49%*) • Home Loan Fixed: 5.94% (6.44%*) • Fixed: 5.94% (6.44%*) • Variable: 5.69% (5.49%*) • Investment IO: 5.92% (5.98%*) • Investment PI: 5.94% (5.98%*)
National Australia Bank Product Details

  NAB Defence Force Home Loan

As one of the first Defence Home Ownership Assistance Scheme (DHOAS) approved home loan providers, we’re committed to serving those who serve. Whether you’re still in the Australian Defence Force (ADF) or transitioning out, NAB is there for you. ADF members are eligible to apply for a NAB Defence Force Home Loan provided they satisfy the requirements under the DHOAS.
Category: Home Loans  Last Updated July 22, 2026  Effective August 23, 2026

General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information
Interest Rate
6.09% PA
Comparison Rate
6.22%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 Variations

Product rates and conditions will vary based on the LVR and other conditions.

Lending Rate Type: Fixed
Interest Rate: 6.44%, Comparison Rate 6.88%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.34%, Comparison Rate 6.83%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 6.83%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 6.81%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 6.78%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Product Features

  • Offset Additional Information: 100% offset arrangement option
  • Redraw Additional Information: •Variable-rate periods only. •Minimum redraw $500.
  • Other Additional Information: Construction lending available
  • Other Additional Information: Ability to split your borrowing into a fixed rate loan and a variable rate loan.
  • Extra Repayments Additional Information: It is only applicable for variable rates

Product Eligibility

  • Natural Person
  • Min Age - 18.
  • Other Additional Information: Restricted to eligible Australian Defence Force members
  • Residency Status - Australian Citizen Or Permanent Resident, Or New Zealand Citizen. Restrictions Apply If Residential Address Is An Overseas Addresss..
  • Other Additional Information: Lending criteria apply.

Bank Fees and Charges

  • Mortgage Discharge Fee (Event), Amount: Not Listed..
  • Production Of Documents (Event), Amount: Not Listed..
  • Company Name Search (Event), Amount: Not Listed..
  • Business Name Search (Event), Amount: Not Listed..
  • Rate Lock Fee (for Fixed Rate Home Loans) (Event), Amount: Not Listed..

 Limitations & Restrictions (Constraints)

  • Min Limit of 20000.00
  • Max Lvr of 0.95

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Finance Guide, Cropped Top and Bottom
Timezone: E. AUSTRALIA STANDARD TIME · [ CHANGE ]

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