Helping ADF Members get a better loan

We're Mortgage Brokers helping ADF Members Australia-wide. Get help with your Home Loan, Investment Loan, Refinancing and more!

Rated 5 from 60 Reviews

Home Loans for ADF Members Finance & Mortgage Brokers

Home Loans

Access hundreds of home loan options tailored for your needs - we'll find the perfect solution for your property goals
Home Loans
Investment Loans for ADF Members Finance & Mortgage Brokers

Refinancing

Whether transitioning from fixed rates or seeking better variable options, we'll help you secure improved loan terms and savings
Refinancing
Refinancing for ADF Members Finance & Mortgage Brokers

Car Loans

Secure competitive car loan options from trusted lenders nationwide, with flexible terms suited to military life and deployment schedules
Car Loans

First Home Buyers Finance & Mortgage Brokers

First Home Buyers

Navigate grants, discounts, and military-specific benefits while securing your first home with expert guidance tailored for service members
First Home Buyers
SMSF Loans for ADF Members Finance & Mortgage Brokers

SMSF Loans

Purchase residential investment properties through your self-managed super fund with loans designed for military retirement planning
SMSF Loans
Car Loans for ADF Members Finance & Mortgage Brokers

Investment Loans

Build your property portfolio with investment loans designed for military lifestyles, postings, and unique income structures across Australia
Investment Loans
Debt Consolidation Loans Finance & Mortgage Brokers

Debt Consolidation Loans

Streamline multiple debts into one manageable payment with solutions that work around military pay cycles
Debt Consolidation Loans
Low Deposit Loans for ADF Members Finance & Mortgage Brokers

Low Deposit Loans

Enter the property market sooner with low deposit options designed for those who haven't saved the full 20%
Low Deposit Loans
Who We Help Finance & Mortgage Brokers

Who We Help

Comprehensive lending solutions for current and former military members nationwide. If it can be financed, we can probably help.
Who We Help

Reviews for Defence Loans

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Jared Ridler

Big thanks to Carl for your help through the process! Made it all a breeze with clear quick communication and got us into our new home!

IR

Ingrid Rollero

Carl and the team are very quick and efficient. Have been them for a few years and happy to recommend to anyone!

KT

Kirsten Turco

Nick gave us a friendly service & was extremely helpful. Highly recommended!

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Harry

Working with Nick to purchase our first home was a seamless experience. His knowledge of the market was exceptional and was quick to respond to all our questions. I wouldn’t hesitate to recommend his services. Thanks Nick!

EB

Elizabeth Bottomley

Carl Elsass was a wonderful help to my husband and I as we bought our first property. Carl was very responsive, knowledgeable and guided us through the process with great care and attention to detail. We would highly recommend using Azura ...

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claudia alvarez

I was extremely pleased by the service provided from Carl Elsass. He was very helpful and very clear by explaining every aspect of the mortgage process. From start to finish, He attended to all the documents required as well as arranging a suitable loan within a very short period with my minimum involvement. Thank you! Claudia Marcela

JG

Javier Gómez

Carl was really helpful and patient, took its time to understand my situations and provided great advice and options in order for me to make the right decision.

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Glen Ashley

Carl has been amazing to work with. He was on the ball straight from the start with knowing all the information I would need to provide. He was quick to respond while others would not return communication for weeks. He managed to secure me a great product in a short amount of time, even while we are on opposite sides of the country. I highly recommend getting in touch with Carl, you won't look back.

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katya campi

Nick and team were great, made the process seamless.

Not sure where to start?

Book a chat with a Finance & Mortgage Brokers at Defence Loans and we can help point you in the right direction.

Defence Loans Finance & Mortgage Brokers

About Defence Loans

We're Defence Home Loans, the mortgage broker exclusively for current and former ADF Members. We formed after hearing numerous stories of home buyers being forgotten about by the big banks, and even ignored by some of the big mortgage brokerages.

We're passionate about getting our clients the right home loan, investment loan, car loan or even construction loan. We have exclusive technology that helps us work with the majority of our clients completely online, but we're always here to chat if you need us.

As a Mortgage Broker we work with the major banks, smaller lenders and non bank lenders to get the right loan for our clients. We have access to more than 2,000 loan products from lenders across Australia so we're confident that once understanding your financial situation, we can find the best option for you. We can also give you a good idea of what products you will qualify for before you apply, meaning you won't impact your credit score or waste days waiting for a response.

Some of our recent reviews describe us as 'extremely professional', 'provide exceptional service' and 'do all the legwork'. We're also a proud member of the Mortgage and Finance Association of Australia.

If you're looking to buy, refinance, build or even buy a new car, Defence Home Loans is here to help. Feel free to book a time to chat with one of our Licensed Mortgage Brokers here to see how we can help.

Book Appointment

Frequently Asked Questions

Can you only help with Home Loans?

We specialise in a range of lending solutions including Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and many other financing options tailored to ADF members' unique needs. Whether you're looking to purchase your first home, build a custom property, invest in real estate, or finance a vehicle, we have the expertise and lender relationships to help you secure the right loan.

What fees should I expect when working with Defence Home Loans?

Our mortgage broking service is typically completely free to you as our clients, as we receive our commission payments directly from the lenders once your loan successfully settles. We maintain complete transparency throughout the entire process by clearly explaining all potential costs upfront and ensuring you have a full understanding of any fees or charges before we proceed with your application.

Do I need to provide different documentation as an ADF member?

ADF members often have complex income structures including various allowances and deployment pay that civilian mortgage brokers may not understand, but we specialise in presenting these effectively to lenders. We'll provide expert guidance on gathering the right documentation including payslips, allowance statements, and deployment records to showcase your complete financial picture in the strongest way.

Are your mortgage brokers licensed and accredited?

All of our mortgage brokers hold full accreditation and maintain active membership with the Mortgage and Finance Association of Australia, meeting the highest industry standards. Our team has earned a reputation for being extremely professional while providing exceptional service across lending options, specifically understanding the unique circumstances of current and former ADF members.

Can I apply for a home loan while deployed overseas?

Absolutely - our advanced online technology platform works seamlessly with ADF members regardless of where you're currently stationed around the world. We can manage the entire loan application process remotely, maintaining regular communication and updates throughout your deployment to ensure everything progresses smoothly.

What happens to my loan application if I get posted to a new location?

We completely understand that regular postings and relocations are an integral part of ADF life and plan accordingly when structuring your application. We work with lenders who are familiar with military requirements and can structure loans that accommodate potential moves and the unique flexibility that Defence personnel need.RetryClaude can make mistakes. Please double-check responses.

Ready to speak to an expert?

Book a chat with a Finance & Mortgage Broker at Defence Loans today.