Interest
6.24%p.a.
Comparison*
6.27%p.a.
Est. repayment
$3,075
LVR ≤70%
Australian Military Bank Home Loan Rates
Australian Military Bank lifted its variable home-loan rates by 0.25 percentage points from 15 October 2026, Ratesniffers records. Every lender's date is in the RBA rate pass-through tracker.
Tracked products
64
Variable product example
6.44%
A verified Australian Military Bank product example is DHOAS RateSaver 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.47% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
Fixed product example
6.44%
A verified Australian Military Bank product example is DHOAS 3 Year Fixed Owner Occupied P&I: 6.44% p.a. (6.90% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 95%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
Variable example comparison
6.47%
A verified Australian Military Bank product example is DHOAS RateSaver 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.47% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
Last updated
1 November 2026
Australian Military Bank is one of the Australian home-loan lenders we track daily. We currently surface 64 active products from Australian Military Bank, refreshed from authoritative lender sources. The product table below sorts by comparison rate by default, the true-cost metric mandated by the National Consumer Credit Protection Act 2009, so you can see total cost, including standard fees, at a glance.
What are Australian Military Bank home loan rates?
Ratesniffers compares Australian Military Bank home loan products by comparison rate. A verified Australian Military Bank product example is DHOAS RateSaver 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.47% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. A verified Australian Military Bank product example is DHOAS 3 Year Fixed Owner Occupied P&I: 6.44% p.a. (6.90% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 95%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. Compare Australian Military Bank against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
What is the lowest Australian Military Bank home loan rate?
A verified Australian Military Bank product example is DHOAS RateSaver 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.47% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. A verified Australian Military Bank product example is DHOAS 3 Year Fixed Owner Occupied P&I: 6.44% p.a. (6.90% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 95%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. These selected examples do not establish the lowest rate across every product or borrower scenario.
How many home loan products does Australian Military Bank offer?
Ratesniffers currently tracks 64 Australian Military Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 58 that pass our data-quality checks on this page. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
Australian Military Bank home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier P&I | 6.24% p.a. | 6.27% p.a. | 70% |
| Variable Owner-occupier P&I | 6.34% p.a. | 6.37% p.a. | 70% |
| Variable Owner-occupier P&I | 6.39% p.a. | 6.42% p.a. | 70% |
| Variable Owner-occupier P&I | 6.44% p.a. | 6.47% p.a. | 80% |
| Variable Investor P&I | 6.44% p.a. | 6.48% p.a. | 60% |
| Variable Owner-occupier P&I | 6.54% p.a. | 6.57% p.a. | 70% |
| Variable Owner-occupier P&I | 6.54% p.a. | 6.57% p.a. | 80% |
| Variable Owner-occupier P&I | 6.59% p.a. | 6.62% p.a. | 80% |
| Variable Owner-occupier P&I | 6.64% p.a. | 6.67% p.a. | 98% |
| Variable Owner-occupier P&I | 6.64% p.a. | 6.67% p.a. | 98% |
| Variable Owner-occupier P&I | 6.64% p.a. | 6.67% p.a. | 98% |
| Variable Owner-occupier P&I | 6.64% p.a. | 6.67% p.a. | 98% |
58 of 64 tracked Australian Military Bank home loan products
Interest
6.34%p.a.
Comparison*
6.37%p.a.
Est. repayment
$3,108
LVR ≤70%
Interest
6.39%p.a.
Comparison*
6.42%p.a.
Est. repayment
$3,124
LVR ≤70%
Interest
6.44%p.a.
Comparison*
6.47%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Est. repayment
$3,141
LVR ≤60%
Interest
6.54%p.a.
Comparison*
6.57%p.a.
Est. repayment
$3,174
LVR ≤70%
Interest
6.54%p.a.
Comparison*
6.57%p.a.
Est. repayment
$3,174
LVR 70 to 80%
Interest
6.59%p.a.
Comparison*
6.62%p.a.
Est. repayment
$3,190
LVR 70 to 80%
Interest
6.64%p.a.
Comparison*
6.67%p.a.
Est. repayment
$3,207
LVR 70 to 80%
Interest
6.64%p.a.
Comparison*
6.67%p.a.
Est. repayment
$3,207
LVR 70 to 80%
Interest
6.64%p.a.
Comparison*
6.67%p.a.
Est. repayment
$3,207
LVR 70 to 80%
Interest
6.64%p.a.
Comparison*
6.67%p.a.
Est. repayment
$3,207
LVR 70 to 80%
Interest
6.64%p.a.
Comparison*
6.67%p.a.
Est. repayment
$3,207
LVR 80 to 90%
Interest
6.64%p.a.
Comparison*
6.68%p.a.
Est. repayment
$3,207
LVR 70 to 80%
Interest
6.64%p.a.
Comparison*
6.68%p.a.
Est. repayment
$3,207
LVR 70 to 80%
Interest
6.64%p.a.
Comparison*
6.68%p.a.
Est. repayment
$3,207
LVR 70 to 80%
Interest
6.69%p.a.
Comparison*
Not available
Est. interest only / month
$2,788
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.69%p.a.
Comparison*
Not available
Est. interest only / month
$2,788
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.69%p.a.
Comparison*
6.72%p.a.
Est. repayment
$3,223
LVR ≤70%
Interest
6.74%p.a.
Comparison*
6.77%p.a.
Est. repayment
$3,240
LVR 70 to 80%
Interest
6.74%p.a.
Comparison*
6.77%p.a.
Est. repayment
$3,240
LVR 80 to 90%
Interest
6.79%p.a.
Comparison*
6.82%p.a.
Est. repayment
$3,256
LVR 80 to 90%
Interest
6.49%p.a.
Comparison*
6.83%p.a.
Est. repayment
$3,157
LVR ≤95%
Interest
6.84%p.a.
Comparison*
6.88%p.a.
Est. repayment
$3,273
LVR 80 to 95%
Interest
6.44%p.a.
Comparison*
6.90%p.a.
Est. repayment
$3,141
LVR ≤95%
Interest
6.49%p.a.
Comparison*
6.91%p.a.
Est. repayment
$3,157
LVR ≤98%
Interest
6.49%p.a.
Comparison*
6.91%p.a.
Est. repayment
$3,157
LVR ≤98%
Interest
6.49%p.a.
Comparison*
6.91%p.a.
Est. repayment
$3,157
LVR ≤95%
Interest
6.89%p.a.
Comparison*
6.92%p.a.
Est. repayment
$3,290
LVR 70 to 80%
Interest
6.89%p.a.
Comparison*
6.92%p.a.
Est. repayment
$3,290
LVR 90 to 95%
Interest
6.44%p.a.
Comparison*
6.95%p.a.
Est. repayment
$3,141
LVR ≤95%
Interest
6.94%p.a.
Comparison*
6.97%p.a.
Est. repayment
$3,306
LVR 80 to 90%
Interest
6.39%p.a.
Comparison*
7.00%p.a.
Est. repayment
$3,124
LVR ≤95%
Interest
6.44%p.a.
Comparison*
7.00%p.a.
Est. repayment
$3,141
LVR ≤98%
Interest
6.44%p.a.
Comparison*
7.00%p.a.
Est. repayment
$3,141
LVR ≤98%
Interest
6.44%p.a.
Comparison*
7.00%p.a.
Est. repayment
$3,141
LVR ≤95%
Interest
6.69%p.a.
Comparison*
7.01%p.a.
Est. repayment
$3,223
LVR ≤95%
Interest
6.99%p.a.
Comparison*
7.02%p.a.
Est. repayment
$3,323
LVR 90 to 95%
Interest
6.69%p.a.
Comparison*
7.04%p.a.
Est. repayment
$3,223
LVR ≤95%
Interest
6.69%p.a.
Comparison*
7.04%p.a.
Est. interest only / month
$2,788
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.69%p.a.
Comparison*
7.04%p.a.
Est. interest only / month
$2,788
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.69%p.a.
Comparison*
7.04%p.a.
Est. repayment
$3,223
LVR ≤95%
Interest
6.69%p.a.
Comparison*
7.05%p.a.
Est. repayment
$3,223
LVR ≤95%
Interest
6.44%p.a.
Comparison*
7.07%p.a.
Est. repayment
$3,141
LVR ≤98%
Interest
6.44%p.a.
Comparison*
7.07%p.a.
Est. repayment
$3,141
LVR ≤98%
Interest
6.44%p.a.
Comparison*
7.07%p.a.
Est. repayment
$3,141
LVR ≤95%
Interest
7.04%p.a.
Comparison*
7.07%p.a.
Est. repayment
$3,340
LVR ≤98%
Interest
7.04%p.a.
Comparison*
7.07%p.a.
Est. repayment
$3,340
LVR 90 to 98%
Interest
7.04%p.a.
Comparison*
7.07%p.a.
Est. repayment
$3,340
LVR ≤98%
Interest
7.04%p.a.
Comparison*
7.08%p.a.
Est. repayment
$3,340
LVR ≤98%
Interest
7.09%p.a.
Comparison*
7.12%p.a.
Est. repayment
$3,357
LVR 80 to 95%
Interest
6.39%p.a.
Comparison*
7.14%p.a.
Est. repayment
$3,124
LVR ≤98%
Interest
6.39%p.a.
Comparison*
7.14%p.a.
Est. repayment
$3,124
LVR ≤98%
Interest
6.39%p.a.
Comparison*
7.14%p.a.
Est. repayment
$3,124
LVR ≤95%
Interest
7.19%p.a.
Comparison*
Not available
Est. interest only / month
$2,996
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.19%p.a.
Comparison*
7.22%p.a.
Est. interest only / month
$2,996
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.19%p.a.
Comparison*
7.22%p.a.
Est. repayment
$3,391
LVR 90 to 98%
Interest
7.19%p.a.
Comparison*
7.22%p.a.
Est. repayment
$3,391
LVR ≤98%
*Important Information and Comparison Rate Warning
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
Australian Military Bank home loan repayment calculator
The starting interest input uses this selected Australian Military Bank product example: DHOAS RateSaver 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.47% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. Change the loan amount, rate or term to model your own mortgage. Repayments are principal and interest estimates, assume the entered rate remains unchanged, and exclude fees. Changes to these inputs do not establish product eligibility or approval.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The amount you want to borrow.
Use the interest rate, not the comparison rate. Change it to model an actual offer or your own scenario.
Use the term in your offer or choose the number of years to model.
Monthly repayment
$3,141
Fortnightly repayment
$1,450
Total interest
$630,629
30 years at 6.44% (P&I)
For a fuller model, use the repayment calculator, see how extra payments change the balance with the extra repayments calculator, or check what you can borrow with the borrowing power calculator.
Who is Australian Military Bank?
Australian Military Bank is the country's longest-serving Defence financial institution, founded in 1959 as a co-operative for Navy civil staff, becoming the Australian Defence Credit Union in 1983 and taking its current name in 2015. It remains member-owned.
It serves the Defence community, including serving and former ADF members and Defence civilians, with home lending that works alongside Defence entitlements such as DHOAS.
Who suits a Australian Military Bank home loan?
Australian Military Bank tends to suit Defence members and veterans who want a member-owned lender steeped in their world. Compare it against the wider market in the table above.
Background facts checked 4 September 2026. Rates above refresh independently.
Australian Military Bank fees, offset and limits at a glance
- Application or establishment fee
- $450
- Discharge fee
- $120
- Settlement fee
- $300
- Additional valuation fee
- $250
- Rate lock fee
- $750
- Loan portability
- Refer to AMB
- Offset account
- 100%
- Minimum offset balance
- $0
- Lenders mortgage insurer
- Helia
- Capitalising LMI
- LMI can be capitalised to max LVR
- Maximum total lending
- $2m
- Extra repayments on fixed
- Max $10,000 per annum without incurring break costs
- When the fixed rate is locked
- Refer to AMB
Checked 8 Oct 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
Australian Military Bank home loans: frequently asked questions
What are Australian Military Bank home loan rates?
Ratesniffers compares Australian Military Bank home loan products by comparison rate. A verified Australian Military Bank product example is DHOAS RateSaver 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.47% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. A verified Australian Military Bank product example is DHOAS 3 Year Fixed Owner Occupied P&I: 6.44% p.a. (6.90% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 95%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. Compare Australian Military Bank at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments, use /calculators/extra-repayment.
What is the lowest Australian Military Bank home loan rate?
A verified Australian Military Bank product example is DHOAS RateSaver 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.47% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. A verified Australian Military Bank product example is DHOAS 3 Year Fixed Owner Occupied P&I: 6.44% p.a. (6.90% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 95%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. These selected examples do not establish the lowest rate across every product or borrower scenario.
What is the monthly repayment on a $600,000 Australian Military Bank home loan?
For a hypothetical $600,000 principal-and-interest loan over 30 years, keeping this variable interest rate unchanged gives about $3,769 a month before fees. The selected source example is DHOAS RateSaver 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.47% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. Variable rates can change; this calculation does not establish eligibility or approval. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. Use /calculators/repayment to model your own amount and term.
How much do you need to earn for a $500,000 Australian Military Bank home loan?
There is no single salary requirement for a Australian Military Bank home loan. The lender assesses income, expenses, debts and repayment capacity. APRA's residential mortgage framework generally requires governed authorised deposit-taking institutions to apply a minimum 3 percentage point buffer above the payable interest rate, ignoring temporary introductory discounts, with prudent limited policy exceptions. This does not establish Australian Military Bank's actual assessment rate or approval criteria. Confirm the applicable lender policy and use /calculators/income-required for an illustrative estimate, not approval.
How does Australian Military Bank's home loan rate compare to the market?
A verified Australian Military Bank product example is DHOAS RateSaver 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.47% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. Across 30 covered listed lenders, the median advertised interest rate of one selected owner-occupier principal-and-interest variable example per lender at 80% LVR is 6.44% p.a., as of 20 October 2026. This describes those selected examples, not the whole market or rates approved for borrowers. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
How many home loan products does Australian Military Bank offer?
Ratesniffers currently tracks 64 Australian Military Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 58 that pass our data-quality checks on this page. Every rate is checked daily against each lender's current published pricing and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is Australian Military Bank competitive for refinancing?
Compare Australian Military Bank's available product conditions and total costs with your existing loan. A listed rate does not establish refinance eligibility. Allow for discharge, establishment and any fixed-loan early repayment costs, and confirm applicable lender terms before switching. Compare the table with /home-loans/refinance.
How often are Australian Military Bank's home loan rates updated?
Ratesniffers refreshes Australian Military Bank's home loan rates daily; this page was last updated 1 November 2026. Rates can change whenever Australian Military Bank reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.