Home loans that serve you

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.

Defence Force home loans to consider

Learn about our different home loans available to eligible Australian Defence Force members.

How a NAB Defence Home Loan can help

Our home loans, subsidised by the Defence Home Ownership Assistance Scheme (DHOAS), are designed to support members of the Australian Defence Force purchase property.

Save money

Eligible Defence customers with a variable rate NAB Defence Force Home Loan get a minimum of 1.98% off the advertised variable rate for home loans (Standard Variable Rate).

Pay off your home loan sooner

Make extra repayments on variable rate loans, without incurring any additional fees or charges.

Have repayment certainty

With a fixed rate home loan for one to five years.

Split your loan

Split your borrowing into a fixed rate loan and a variable rate loan.

Home of the most satisfied home loan customers of all major banks

First home buyers, upgraders, refinancers, renovators, investors and downsizers – we’ve got a range of loan options and will help you find the home loan that best suits your needs. Our home loan experts will be there every step of the way.

Are you eligible for a Defence Force Home Loan?

Details about your eligibility for DHOAS and the application process are available from the Scheme Administrator, the Department of Veterans Affairs (DVA). For more information call 1300 434 627 or visit dhoas.gov.au, opens in new window.

Help and support

Get the most out of your NAB home loan and discover popular help and support tasks.

Contact us for home loan related queries

This is how you can get in touch.

Start a conversation with a banker

  1. Log into either NAB Internet Banking or the NAB app.
  2. Tap on the message icon.
  3. Type ‘speak to a person’ in the conversation window.

Call us

Speak to a home loan expert about a new or existing home loan.

Monday to Friday, 8:00am to 7:00pm (AEST/AEDT)
Saturday to Sunday, 9:00am to 6:00pm (AEST/AEDT)

13 78 79

Book an appointment

Make an appointment to see us at your nearest branch, ask a mobile banker to come to you or ask us to call you back.

Terms and Conditions

Rates and information are correct as at 12 September 2022 and subject to change. Terms and conditions apply to all NAB products and are available on application. NAB lending criteria applies. Fees and charges are payable.

Target Market Determinations for these products are available at nab.com.au/TMD.