Fixed rate Defence Force Home Loan features

Australian Defence Force members  can enjoy flexible repayment options and extra certainty with a fixed rate home loan.

Maximum loan-to-value ratio (LVR) up to 95%

Lenders' Mortgage Insurance (LMI) applies for LVR over 80%. You can borrow up to 95% of the property’s value when you make principal and interest repayments and live in the property.

Economic costs for additional repayments

 While you can pay ahead up to $20,000 during the fixed rate period without paying any additional fees or break costs, economic costs may apply for additional repayments.

Redraw available

Once your fixed rate period is over, you can redraw funds if you’re ahead of scheduled repayments (subject to terms and conditions). Minimum redraw is $500 and is only available during variable-rate periods.

Lock in your rate

You can lock in the fixed interest rate that is quoted for up to three months, giving you added certainty while you search for the right property.

Flexible repayment options

Manage your repayment. Choose a frequency that works for you - weekly, fortnightly or monthly.

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.

Interest rates

View the fixed interest rates for a NAB Defence Force Home Loan. 

NAB Defence Force Home Loan fixed interest rates.
  Interest rate Comparison rate
1-year period
Interest rate
6.69% p.a.
Comparison rate
6.86% p.a.
2-year period
Interest rate
6.59% p.a.
Comparison rate
6.83% p.a.
3-year period
Interest rate
6.59% p.a.
Comparison rate
6.82% p.a.
4-year period
Interest rate
6.74% p.a.
Comparison rate
6.86% p.a.
5-year period
Interest rate
6.79% p.a.
Comparison rate
6.87% p.a.

Other loan options to consider

Learn about other home loans we have available for Australian Defence Force members. 

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

All rates are effective Monday, 20 May 2024 and are subject to change at any time. To find out more, visit, call into a NAB branch or call 13 13 12 for information on personal lending rates or 13 10 12 for information on business lending rates. Terms and conditions, fees and charges, and normal lending criteria apply. Full details of these and relevant terms and conditions are available on application. National Australia Bank Limited ABN 12 004 044 937

NAB does not offer an interest offset arrangements for Fixed Rate Home Loans.

Target Market Determinations for these products are available at