DHOAS Special: Pack your bags for a FREE tropical getaway!

Switch, or take out a new DHOAS loan before 31 January 2017 & celebrate with a $2,800 holiday voucher from Australian Military Bank^ & $1500 spending money courtesy of Naritas^^


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Home Loan rates

The holiday voucher & cashback offer

Fees & charges

DHOAS Value Home Loan features

How to get started

Home Loan rates

  • Australian Military Bank DHOAS Value Home Loan from 3.97% p.a.* CR 4.02† p.a.


  • 3.97%p.a. (CR 4.02%p.a.) available on the Australian Military Bank DHOAS Value Home Loan for owner occupier borrowers with a minimum loan size of $250,000 (conditions apply, max 95%LVR inclusive of LMI).
  • Rate current as of 04/11/2016.

 The holiday voucher & cashback offer

Holiday voucher:

  • $2,000 holiday voucher for loans $250,000-$499,999
  • $2,800 holiday voucher for loans $500,000+

AND you get spending money for your holiday..


  • $1000 cashback rebate for loans $250,000-$500,000.
  • $1500 cashback rebate for loans $500,000+.

Fees & charges:

  • $450 loan application fee.
  • $200 valuation fee.
  • Legal fees charged at scale (average ~$315).
  • $0 annual package fee.
  • Discharge cost – $300 (only payable upon exiting & fully discharging the mortgage).

Frequently asked questions:

^How do I qualify for a holiday voucher?

  • You will qualify for a voucher if your new DHOAS lending is $250,000 and over.
    • A loan over $250,000 qualifies you for a $2,000 holiday voucher
    • A loan over $500,000 qualifies you for a $2,800 holiday voucher
  • You must apply between 1 October 2016 and 31 January 2017 and your DHOAS loan must settle by 30 April 2017.
  • You must also open your choice of Australian Military Bank transaction account and deposit your salary (min $1,500 monthly) into the account.
  • Limit one holiday voucher per funded DHOAS loan application.

Will I get a holiday on a standard (non-DHOAS) Home Loan product?

No, this special offer is limited to borrowers who are eligible for the DHOAS scheme.

When can I take my holiday?
You will be provided details to start arranging your holiday package with our partner agency, Anywhere Travel upon loan settlement.

You must have redeemed your holiday package within 12 months of settlement and no later than 31 December 2017

How can I find out more about potential holiday options?

Please refer to the ‘Travel Deals‘ as offered by Anywhere Travel. Packages are subject to change without notice.

If you have any additional enquiries prior to obtaining your holiday voucher, please call Anywhere Travel on 1300 368 832.

What if I don’t like the holidays suggested or need to make changes?

You can tailor an alternative holiday package depending on your holiday voucher value. Please discuss your needs with Anywhere Travel on 1300 368 832.


See how much you could save when you switch to Australian Military Bank’s DHOAS Value Home Loan.


Australian Military Bank’s DHOAS Value Home Loan comes with a range of great features:
100% offset account $0 annual fee
Split Option (with other DHOAS loans) available 2% cashback on Visa paywave
Established in 1959 AMB is Australia’s longest serving Defence financial institution Free ATM transactions via NAB and rediATM ATMs

How do I get started with an Australian Military Bank approval from Naritas?

The team at Naritas are experts in delivering timely guidance & finance approvals.  We have over 100 lenders on our panel & a high quality team of dedicated credit advisers to steer you efficiently through the approval process.

To make an enquiry online with our team, click here. Alternatively please feel free to phone us on 1300 558 887 during business hours.


^^Naritas Finance Cashback Terms & Conditions:

  1. This offer is provided by Naritas Finance Pty Ltd ABN 74 096 341 061 of Level 1, 357 Military Road, Mosman, NSW, 2088 (“Naritas”).
  2. This offer commences 4 November 2016 and closes 31 January 2017 (“Offer Period”).
  3. This offer is open to Australian residents only.
  4. A payment under the Cashback Offer (“Cashback Payment”) will be paid for residentially secured home loans settled during the Offer Period subject to conditions 5 to 15 below.
  5. A borrower must refinance or purchase using Naritas to arrange an Australian Military Bank (AMB) DHOAS Home Loan to be eligible for the Cashback Offer. A borrower’s loan application in conjunction with this Cashback Offer will be subject to AMB’s usual credit assessment, approval processes & terms and conditions.
  6. The Cashback Payment is $1500 where as a result of a refinance or new mortgage under this promotion, the total loan refinanced, either jointly or individually using Naritas is $500,000 or more.
  7. The initial loan application must be received during the Offer Period.
  8. The approved loan must be funded by 30 April 2017.
  9. A borrower is eligible for a Cashback Payment only once during the Offer Period. Once a loan application that is eligible for a Cashback Payment is received, no further loans which include that borrower, jointly or individually will be eligible for a Cashback Payment.
  10. Fees and charges apply to loans taken out under this Cashback Offer. Refer to the Loans Fees and Charges brochure or the Mortgage Loan Schedule for details.
  11. The Cashback Payment will be deposited to the loan account for the refinanced loan after the settlement date. The Cashback Payment will not be made to the borrower in “cash” (i.e. notes and/or coin) or cheque.
  12. A borrower cannot transfer or assign their right to the Cashback Payment to any other person.
  13. Naritas accepts no responsibility for any tax implications that may arise from the Cashback Offer. The borrower should seek their own independent advice in this regard.
  14. Offer not available in conjunction with any other Naritas promotional offer.
  15. Participation in the Cashback Offer is deemed acceptance of these terms.

*Special Discounted Rate applies to minimum loan size of $250,000 and Loan to Value Ratio under 80% (more than 20% equity) for owner occupied residentially secured home loans. Terms and conditions apply.

† The Comparison Rate is calculated on a loan amount of $150,000 for a term of 25 years based on monthly repayments. WARNING: This Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison Rate.

Naritas Finance Pty Ltd ACN 096 341 061, Australian Credit Licence 441723