We offer a range of low cost DHOAS (Defence Home Ownership Assistance Scheme) Home Loans, which have been designed to suit the needs of eligible Australian Defence Force home buyers². Combine with other ADF entitlements such as HPAS and HPSEA*. With a wide range of DHOAS Home Loans available, you'll have the flexibility to choose the loan type and repayment frequency to suit your budget.
Get started
Apply in under 15 minutes, even on your phone
No monthly orannual fees
DHOAS approved
Home loan provider
RateSaver Home Loan
Our simple vanilla loan with a super-low rate.
interest rate
comparison rate¹
No monthly fees | DHOAS compatible | Unlimited additional repayments
Start application
Time: 2 mins
Tell us some quick details and we’ll get a lending specialist to call you
Have all your information ready? Complete our full application here.
You’ll need your supporting information to complete, like your employment, income and assets/liabilities details. Completing the full application takes approximately 20 mins.
Why choose an Australian Military Bank DHOAS Home Loan?
DHOAS subsidy*available for eligible ADF members
Loans available for purchasing a home or refinancing
More information about your DHOAS eligibility can be obtained at dhoas.gov au or on 1300 434 627.
"Thanks to the staff in the Direct Contact Centre, you have made the loan process fun and easy. You're the reason that I keep banking with Australian Military Bank."
Craig, WA - member since 2001
Here's what you'll need to apply
Facts and Fees
A bank statement showing your everyday transactions over the last three (3) months.
Please tell us as much as you can about your needs
By submitting this form, I acknowledge that I have read Australian Military Bank’s Privacy Collection Notice and understand Australian Military Bank may use my personal information as outlined in the notice.
We will not conduct a credit check before we talk to you.
Applications are subject to the banks normal lending criteria. Fees charges and lending criteria apply and will be included with our loan offer. A Financial Services Guide (FSG) is available at all Branches, on our website and upon request. For more information on interest only comparison rates, please contact the bank.
By submitting this application, you acknowledge and agree that Australian Military Bank may collect and use your personal information, and may contact you, for the purposes of assisting you with a home loan application. Our Privacy Policy tells you how we use your information, what credit reporting bodies we use and how to access your credit information. Please view our Privacy Policy here
Applications are subject the banks normal lending criteria. Fees charges and lending criteria apply and will be included with our loan offer. A Financial Services Guide (FSG) is available at all Branches, on our website and upon request. For more information on interest only comparison rates, please contact the bank.
The rates displayed are at 70% LVR (meaning that a minimum of 30% deposit is required plus fees).
¹The comparison rate is based on a loan of $150,000 over a 25 year term. WARNING This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other amounts might result in a different comparison rate. Unless stated, all comparison rates are based on principal and interest repayments. We recommend you read our Financial Services Guide (FSG) and Target Market Determination (TMD) which is available on the internet, or by visiting one of our branches, before making a decision if this product is right for you. Any advice does not take into account your personal needs and financial circumstances. Fees, charges and eligibility criteria apply.
²For full DHOAS eligibility criteria visit dhoas.gov au or on 1300 434 627.
*Australian Military Bank is unable to confirm your eligibility for some schemes and entitlements (such as DHOAS, HPAS and HPSEA). Amount shown is for
subsidy tier 3. For full DHOAS eligibility criteria visit dhoas.gov.au or on 1300 434 627. Rates are current at the time of publication and are subject to change.
