Compare

Make sure you choose the right home loan for you. Compare our DHOAS Home Loans below.

	Value Home Loan (New applications only#)	Premium Package^	2yr Fixed Interest^	3yr Fixed Interest^	Standard Variable Home Loan	Construction Loan
Minimum Loan	$100,000	$200,000	$100,000	$100,000	$30,000	$30,000
Maximum Loan	95% ($1,000,000)	95%	95%	95%	95%	95%
Interest Rate (% p.a.)	6.49	6.49	6.59	6.44	7.04	7.10
Comparison Rate# (% p.a.)	6.51	7.04	7.02	6.94	7.09	7.15
Maximum Loan Term	30 years	30 years	30 years	30 years	30 years	Up to 3 years or on completion of construction
Repayments	Principal and Interest	Principal and Interest	Principal and Interest	Principal and Interest	Principal and Interest	Interest only
Mortgage Offset		(after fixed period only)	(after fixed period only)	(after fixed period only)
Loan Redraw	(minimum $500)	(minimum $500, after the fixed period)			(minimum $500)
Pre-approved Visa Credit Card
Additional/Lump Sum Repayments		(after fixed period)
Establishment Fee	$0*	$450	$500	$500	$400	$400
Legal Fees	at cost	at cost	at cost	at cost	at cost	at cost
Valuation Fee	at cost	at cost	at cost	at cost	at cost	at cost
Monthly / Annual fee	$0	$0	$0	$0	$0	$0
Early Repayment Fee
Mortgage Discharge Fee	$150.00	$150.00	$150.00	$150.00	$150.00	$150.00
Break Fee		Applies if loan repaid during fixed rate period	Applies if loan repaid during fixed period	Applies if loan repaid during fixed period
Split option (with other DHOAS loans)

^{*Application fee of up to $400 waived for applications lodged before 30 March 2012. #Transfer of existing ADCU DHOAS loans not eligible.^ Rate reverts to standard variable rate after fixed rate period.}

More information

• Download our fees and charges schedule.

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

^{# Comparison rate based on a loan of $150,000 repaid over 25 years. WARNING: This comparison rate applies to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees and costs and savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan. A monthly repayment frequency and a term of 25 years have been used to calculate our comparison rate.}