RateGapevery home loan rate lenders publish, compared
Defence Bank home loan rates
48 advertised rates across 17 products, published by Defence Bank under the Consumer Data Right. Last read Monday 2 November, yesterday. No lender pays to be listed.
Where it sits
Restricted to particular groups
| Product | Who it is for | Rate |
|---|---|---|
| DHOAS Premier Low Rate | restricted to certain jobs (police, nurses, defence and so on) | 6.44% |
| Premier Low Rate | a particular group only, per its published conditions | 6.49% |
| Premier Investor Low Rate | a particular group only, per its published conditions | 6.59% |
| Ultimate Essentials DHOAS Fix | restricted to certain jobs (police, nurses, defence and so on) | 6.74% |
| Ultimate Essentials Fixed | a particular group only, per its published conditions | 6.74% |
| DHOAS Premier Home Loan | restricted to certain jobs (police, nurses, defence and so on) | 6.79% |
| Premier Home Loan | a particular group only, per its published conditions | 6.84% |
| Ultimate Essentials Construction (INV) | a particular group only, per its published conditions | 6.84% |
| Ultimate Essential Inv Fixed | a particular group only, per its published conditions | 6.94% |
| Premier Investor Home Loan | a particular group only, per its published conditions | 6.94% |
| Ultimate Essentials DHOAS | restricted to certain jobs (police, nurses, defence and so on) | 6.99% |
| Ultimate Essentials DHOAS Construction (OO) | restricted to certain jobs (police, nurses, defence and so on) | 6.99% |
What changed
Defence Bank last moved a rate on Monday 26 October. Every rate is read each morning and has come back the same since.
Does this look wrong? or could it be better
Two different things go wrong here and they are fixed in different places. If a rate on this page does not match what Defence Bank told you, it is usually one of these.
The published data is wrong
Defence Bank publishes these rates itself, under the Consumer Data Right. Nobody here types them in and nothing here can correct them at the source. If the feed is wrong, every comparison site reading it is wrong in the same way. Reports about a data holder's feed go to the Consumer Data Right, and published-data quality is on the ACCC's enforcement list.
Everything identifying the feed is filled in below. The one part left is what you saw.
Consumer Data Right — Product Reference Data quality Data holder brand: Defence Bank ABN: 57087651385 Product Reference Data endpoint: https://product.defencebank.com.au Data read from that endpoint on: Sunday 1 November Rate lines published at that time: 48 What appears to be wrong: [describe what you checked, and what the published data says] This data is published under the Product Reference Data standard and is available publicly, without authentication or a consumer consent.
This page reads it wrongly
The rate is published correctly and this page has misread it. A band shown against the wrong loan type, a fee counted twice, a product that should be marked restricted and is not: that one is mine. Tell me and I will fix it, and say which lender so I can find the row.
Something is missing
A figure this page should show and does not, or a lender that should be here and is not. Tell me through the feedback box. The data behind every page here is free to download if you would rather check it yourself first.
Free, and not advice. It knows only what the lender publishes, not what you could negotiate. A licensed broker does this for a living. Who made this. What this site collects.
More from the data
Building something with this? There is an API, and the data is free.
This morning: the market, variable rates, fixed rates and what moved this week.
Found in the data: what lenders charge above 80%, the rate a fixed loan rolls onto and what a comparison rate adds. Also what an offset costs, and what investors pay on top.