Helping ADF Members get a better loan

Expert Mortgage Brokers helping Australian Defence Force (ADF) Members Past & Present. Get Started on a new Home Loan, Investment Loan or Refinance in less than 5 minutes.

Rated 5 from 41 Reviews

Buying a Home

First Home Buyer, Investment Property? We've got you covered.

We have access to 2,000 Home Loan options from Banks across Australia so we can make sure we find the right Home Loan for you. We can even help with cash back on settlement.

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Buying a Property

Refinancing

Time to review the rate on your existing Home or Investment loan?

We can find a better Home Loan or Investment Loan in less than 5 minutes using our Better Loan Finder. Some of our clients are saving more than $7,800 a year just by switching to the right loan.

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Start Refinance

Car Loans

Time to upgrade the family car? Not sure what you can afford?

We have access to a huge range of finance options including Car Loans, Boat Loans, Caravan Loans, Bike Loans as well as heaps of other loan options. If it's got wheels, we can probably help.

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Car Loans for ADF Members

Compare your current home loan in less than 5 minutes.

We have access to thousands of loan options from banks across Australia. See how your current loan compares with the best deals in the market.

Interest rates as low as:

5.79%

Headline Rate

5.82%

Comparison Rate

We focus on finding Australian Defence Force Members the best loan

Home Loans

When it comes to buying a property, having a number of Home Loan options is critical to making the best choice. Defence Loans has access to thousands...

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Self Employed Loans

Self Employed Loans help people with their own business access home loans and investment loans. Self Employed individuals are usually assessed using financial statements,...

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Investment Loans

Using an Investment Loan to buy an investment property can be a great way to earn passive income while also taking advantage of numerous tax benefits...

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First Home Buyers

Buying your first home with a Home Loan is likely to be one of the largest purchases you'll make. First Home Buyers can take advantage of...

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Construction Loans

A Construction Loan is a great way ADF Members can complete major renovations, knock down an existing property and starting fresh or building from scratch on a...

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Low Doc Loans

Low Doc Loans or low documentation loans are a way for self employed borrowers to get a home loan. Generally, Low Doc Loans are...

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Bridging Loans

Bridging Loans are a great way ADF Members can move into a new property before selling their existing property...

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Interest Only Loans

Interest Only Loans, as the name suggests are a way of paying only the interest repayments on a loan without paying any of the principal....

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We work with Australia's biggest lenders to get you the best loan options

Get started refinancing your loan to a better rate in less than 5 minutes.

Common Questions

What are the Benefits of Refinancing a Home Loan or Investment Loan?

Refinancing your Home Loan or Investment Loan can offer numerous advantages for Australian Defence Force (ADF) Members. One of the primary benefits is the potential to secure a lower interest rate, which can significantly reduce monthly loan repayments. By obtaining a lower rate, ADF Members can effectively manage their finances more efficiently, freeing up funds for other essential expenses. Moreover, refinancing allows for the adjustment of loan terms to better suit individual financial circumstances. This could involve extending or shortening the loan term, or changing the repayment frequency to align with income cycles or budgetary preferences. Such flexibility empowers ADF Members to tailor their loans to their specific needs and goals. Additionally, refinancing can provide access to equity, enabling ADF Members to release funds for various purposes such as home renovations, purchasing a vehicle, planning a holiday, or investing in additional properties. Consolidating multiple loans into a single facility simplifies financial management and can potentially reduce overall interest costs. Lastly, transitioning from a variable to a fixed-rate home loan through refinancing offers the advantage of locking in a stable interest rate and repayment term, providing peace of mind amidst fluctuating market conditions. Overall, refinancing presents ADF Members with valuable opportunities to optimise their loan arrangements and enhance their financial well-being.

What is Refinancing?

Refinancing, also known as loan refinancing, is the process of acquiring a new mortgage to replace an existing one, whether it's for a home loan or an investment loan. This can involve switching to a different lender or renegotiating with the current one. There are various reasons for refinancing, including securing a lower interest rate, reducing monthly repayments, adjusting the loan terms, or consolidating debts. Additionally, individuals may opt for refinancing to access funds for home renovations or to fix a portion of their loan. At Defence Loans, assisting Australian Defence Force (ADF) Members with refinancing their Home Loan or Investment Loan is a key focus of ours, ensuring they receive tailored support and guidance throughout the process.

Why should I use a Mortgage Broker?

Using a mortgage broker can simplify the mortgage journey, provide access to a broader range of options, offer expert guidance, and streamline the application process, ultimately saving time and potentially securing better loan terms. Mortgage brokers serve as intermediaries between borrowers and lenders, offering valuable expertise and assistance throughout the mortgage process. One primary advantage of using a mortgage broker is access to a wide range of loan products from various lenders. This diversity allows brokers to tailor solutions to individual needs and financial situations. Additionally, brokers often have established relationships with banks and lenders, which can lead to better terms and rates for borrowers thank sticking with their main bank. Another key benefit is the guidance provided by mortgage brokers. They help navigate the complex mortgage landscape, explaining the intricacies of different loan options and ensuring borrowers understand their obligations. This personalised support streamlines the application process, saving borrowers time and stress.

Are your mortgage brokers licensed and accredited?

All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia (MFAA). They are extremely professional and provide exceptional service across a range of lending options. In addition they have the essential qualifications and more to provide expert advice for any scenario you are in, whether it be refinancing your Home or Investment Loan, getting a Car Loan or a new Loan to purchase.

When Should You Refinance a Home Loan or Investment Loan?

There are a few things to consider when deciding if you should refinance your Home Loan or Investment Loan. First, you need to make sure that you can afford the new monthly payments. You also need to understand the costs associated with refinancing. We can help you with this, including to help you understand any cost of breaking your fixed term. There is no perfect time to refinance and depends on your needs. Often you will decide to refinance to move to a cheaper interest rate.

What are the Benefits of Refinancing a Home Loan or Investment Loan?

Refinancing your Home Loan or Investment Loan can offer numerous advantages for Australian Defence Force (ADF) Members. One of the primary benefits is the potential to secure a lower interest rate, which can significantly reduce monthly loan repayments. By obtaining a lower rate, ADF Members can effectively manage their finances more efficiently, freeing up funds for other essential expenses. Moreover, refinancing allows for the adjustment of loan terms to better suit individual financial circumstances. This could involve extending or shortening the loan term, or changing the repayment frequency to align with income cycles or budgetary preferences. Such flexibility empowers ADF Members to tailor their loans to their specific needs and goals. Additionally, refinancing can provide access to equity, enabling ADF Members to release funds for various purposes such as home renovations, purchasing a vehicle, planning a holiday, or investing in additional properties. Consolidating multiple loans into a single facility simplifies financial management and can potentially reduce overall interest costs. Lastly, transitioning from a variable to a fixed-rate home loan through refinancing offers the advantage of locking in a stable interest rate and repayment term, providing peace of mind amidst fluctuating market conditions. Overall, refinancing presents ADF Members with valuable opportunities to optimise their loan arrangements and enhance their financial well-being.

Can you help First Home Buyers?

We love helping First Home Buyers! Defence Home Loans helps Australian Defence Force (ADF) Members who are First Home Buyers access a Home Loan plus understand any Grants and Discounts that they are eligible for. For most, buying your first home with a Home Loan signifies one of the most significant financial decisions of their lives. It's an investment in the future, a foundation for family life, and a step towards financial security. Defence Loans is acutely aware of the importance of this milestone. We pride ourselves on our personalised approach, ensuring our clients are equipped with the knowledge, options, and support to make informed decisions. Our range of Home Loan solutions caters explicitly to the diverse needs of ADF members and first home buyers, offering competitive rates, flexible terms, and benefits uniquely tailored to the service life and career trajectory of defence personnel.

Can you help with Home Loans?

When it comes to securing a Home Loan, Australian Defence Force (ADF) members, face unique circumstances and challenges. Understanding these nuances, Defence Loans emerges as a beacon of support and guidance in the journey towards homeownership. Choosing Defence Loans to facilitate your Home Loan process is not merely a transaction; it's embracing a partnership that recognises and honours your service. We understand the significance of trust, especially when making such a substantial life investment. Our clients are at the heart of everything we do, and we go the extra mile to ensure your Home Loan journey is straightforward, transparent, and tailored to your unique situation.

What kind of interest rates can you offer?

We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.

Limited Time Offer: Get up to $2,000 cashback when you refinance your loan.