Choosing a home loan is not as simple as walking into a shop and picking a sandwich. This is the next 20-30 years of your life we’re talking about, and the vast number of home loan options out there can make it difficult to say the least. Defence Finance wants to make it easy, connecting you to a panel of lenders that match your needs.

Choose your loan

Basic Home Loans

Basic Home Loans trade off flexibility, offering an attractive interest rate and lower (or non-existent) fees. This often results in a reduced/waived application fee. The fees vary from lender to lender, but most major banks have similar features. Perfect for loans under $250,000


Professional Package

Going pro is a great choice for those borrowing bigger amounts of money, typically exceeding $250,000. If you’re looking for more than just a home loan, pro bundles package several attractive products into one to help you save – with lower interest rates and fees.


Equity Loan

Equity refers to the difference between the amount you owe and the value of your home. By taking outan equity loan, you can use this difference as collateral security or for renovations, share investments, additional property purchase, mortgage refinancing, and more.

What about

100% Offset Home Loan/Offset Account

Want to get your loan paid off sooner than later? This kind of loan only charges you interest on the balance, thus, lowering your interest rate.

Line of Credit

Want to use your loan as your cheque account, drawing down and repaying as and when you wish to? This could be the perfect match for you, further allowing you to perform renovations, pay bills, invest in shares, and beyond.

Which loan is right for me?

No two people are the same, and home loans should be no exception.

When making the decision, it’s important to first decipher which features you’ll be needing, and which are less important to you.

Remember: The more features you opt for, the higher your interest rate will be.

Ask yourself questions like:

  • Must you be able to make additional repayments?
  • Do you have proof of your income?
  • Do you wish for more security, knowing exactly how much you’ll be paying each month?
  • Do you want to enjoy protection against fluctuations in interest rates?

We can help you answer all of this and more, making the right decision for the right reasons.