Choose your DHOAS Home Loan

ADCU offers a range of special DHOAS Home Loans, which have been designed to suit the needs of ADF home buyers. Our loans offer complete flexibility in terms of interest rate and repayments, as well as the option to ‘split’ them across different types of DHOAS Home Loans.

While our DHOAS team will help you work out which is the best home loan for your situation, below is a brief summary of the different types of DHOAS Home Loans available from ADCU.

Value Home Loan

The Value Home Loan offers a great rate and a range of other benefits including:

Additional Information

Value Home Loan Minimum Loan $100,000 Maximum Loan $1,000,000 Max. Loan to Value Ratio 95% Available For New applications only^ Variable Rate Max. Loan Term 30 years Repayments Principal and Interest Loan Redraw (minimum $500) Pre-approved Visa Credit Card Additional/Lump Sum Repayments No Monthly/Annual Fee Split Option (with other DHOAS loans)

Premium Package

The Premium Package offers a complete range of benefits, including:

Additional Information

Premium Package Minimum Loan $200,000 Max. Loan to Value Ratio 95% Variable Rate (after 15 months) Fixed Rate (first 15 months) Max. Loan Term 30 years Repayments Principal and Interest Mortgage Offset (after fixed period only) Loan Redraw (minimum $500, after the fixed period)* Pre-approved Visa Credit Card Additional/Lump Sum Repayments (only after fixed period) Establishment Fee No monthly/annual Fee Break Fee During fixed intro period only Split option (with other DHOAS loans)

DHOAS Standard Variable Rate Loan

The Standard Variable Rate Loan offers you the best of both worlds.

To maximise the offset benefit, you can choose to have all of your income deposited into your offset savings account and conveniently access your savings using your Visa Card, direct debit, BPAY^® and 24 hour online or phone banking.

Additional Information

Standard Variable Rate Loan Minimum Loan $30,000 Max. Loan to Value Ratio 95% Variable Rate Fixed Rate Max. Loan Term 30 years Repayments Principal and Interest Mortgage Offset Loan Redraw (minimum $500) Pre-approved Visa Credit Card Additional/Lump Sum Repayments Establishment Fee No monthly/annual Fee Split option (with other DHOAS loans)

DHOAS Fixed Interest Rate Loan

ADCU offers a Fixed Interest Rate Loan with a choice of a 2 or 3 year term. A Fixed Interest Rate Loan offers you the certainty of knowing what your repayments will be for a fixed period and safeguards you against increasing interest rates during the fixed period. This can be especially helpful when you are trying to budget. At the end of the fixed rate period, the interest rate will automatically revert to the current DHOAS standard variable rate.

Additional Information

Fixed Interest Rate Loan Minimum Loan $100,000 Max. Loan to Value Ratio 95% Variable Rate Fixed Rate (reverts to DHOAS Std. Var. rate after fixed period) Max. Loan Term 30 years (initial rate of 2 or 3 years) Repayments Principal and Interest Mortgage Offset Loan Redraw Pre-approved Visa Credit Card Additional/Lump Sum Repayments Establishment Fee No monthly/Annual Fee Break Fee (during fixed period only) Split option (with other DHOAS loans)

DHOAS Construction Loan

We understand that sometimes it's not always preferable to buy an established home, especially when you have the opportunity to build a home exactly as you want it. That's why we offer a special Construction Loan to help you pay for your home at various stages in the building process. Our Construction Loan is based on a variable interest rate and repayments are made on an 'interest only' basis.

Additional Information

Construction Loan Minimum Loan $30,000 Max. Loan to Value Ratio 95% Variable Rate Fixed Rate Max. Loan Term Up to 3 years or on completion of construction Repayments Interest only Mortgage Offset Loan Redraw Pre-approved Visa Credit Card Additional/Lump Sum Repayments Establishment Fee No monthly/annual Fee Break Fee Split option (with other DHOAS loans)

Apply

Apply for a DHOAS Home Loan with ADCU

Questions?

If you have any questions, please contact us on 1300 2 DHOAS (34627) or via email at This e-mail address is being protected from spambots. You need JavaScript enabled to view it

^{*Terms and Conditions, Fees and Charges apply and are available on application.^Transfer of existing ADCU DHOAS loans not eligible.}