DHOAS Eligibility Advice
Receive personalised advice on DHOAS eligibility, addressing your service history, rank, and length of service to maximise benefits.
Home Purchase Preparation
Get expert guidance on budgeting, saving strategies, and finances to get you prepared to confidently navigate the journey to buying a home while making the most of your DHOAS benefits
Long-Term Financial Planning
Ensure your long-term financial stability with expert guidance for home ownership.
What is DHOAS?
The Defence Home Ownership Assistance Scheme (DHOAS) helps Australian Defence Force (ADF) members and veterans achieve homeownership through financial support. It provides financial subsidies on home loan interest rates, encouraging long-term service and home ownership for military personnel.
Our Services
Eligibility Assessment for DHOAS
We help assess your eligibility for DHOAS in detail based on your service history, rank and years served. DHOAS has strict eligibility criteria and we can help you better understand what you are and aren’t entitled to in this instance.
Home Purchase Preparation
We’ll help you prepare for buying a home through savings strategies and budgeting, while making the most of your DHOAS benefits.
Loan Structuring Advice
We offer advice on structuring your loan, repayments, interest rate and features to suit your financial situation and goals.
What client say about us
Why Work With Us
Veteran Owned Business
As a veteran-owned business, we know the financial challenges ADF members and veterans face. Bringing first-hand experience of military life, our services focus on the challenges and goals of current and former Defence personnel.
Defence Housing Entitlement Experts
We understand and can advise you on DHOAS, HPAS, and HPSEA entitlements if they are suited to your home ownership goals. We look at the holistic picture, including non-military loans, to ensure you make the best use of your financial opportunities.
Certified Financial Planners
Our certified financial planners have extensive knowledge of DHOAS and financial planning regulations. With proven qualifications and experience, we provide clear, actionable advice to help you navigate your financial decisions confidently and make the most of your entitlements.
Specialist Military Financial Advisers
Through our first-hand experience, our advisers are experts in military finances. We understand that military personnel have different challenges, including understanding the complexities of military pay, conditions and entitlements. We consider your entire situation before providing individual advice and support.
Who We Help
- Current ADF members
- Veterans
- Reservists
- Defence contractors
- Military families
Our Process
We follow a transparent, simple process to support and make your homeownership goals achievable.
Financial Discovery Call
Our expert advisers will discuss your financial situation, military service and goals in an initial discovery call to explore your current financial position and long-term aspirations.
Check Your Eligibility
Reviewing your service history, we’ll check your eligibility for DHOAS and other entitlements. This ensures you can access all benefits and helps identify other financial options to which you may be entitled.
Explore the Best Loan Options
By working with an external mortgage broker, we’ll advise on the best loan options based on your situation. Our team evaluates various loan products, including DHOAS and non-DHOAS loans, to find competitive rates and terms.
Apply for DHOAS Certificates and DHOAS Loan
We’ll guide you through applying for your DHOAS certificate and loan, taking you through the certification process in detail. We’ll also work with trusted brokers to get you the best possible home loan option.
Requirements to Maintain DHOAS Loan Eligibility
Once you have qualified for and secured your DHOAS home loan, you will need to keep in mind several criteria including but not limited to:
- The loan can be used to buy land, build a home, renovate or extend your existing home but cannot be used to purchase an investment property.
- The applicant must live at the property for at least 12 months; however, this condition can also be met by having a recognised dependent living at the address. After 12 months, you may rent it out as an investment and continue receiving the subsidy payments as long as your DHOAS loan remains in place.
- If you move out of the property before 12 months or sell it to move to a new location, you must notify the DVA immediately so the subsidy payments can be stopped or transferred to a new DHOAS loan.
- The subsidy will not be paid on a loan where any part of the property is held in place for a trustee or as a trust beneficiary.
- No subsidy will be paid on a property primarily used to carry on a business, trade or profession.
- You may refinance but only to the original value of the initial loan; the member will pay all transfer fees and levies.
Is DHOAS Right For You?
DHOAS may be right for you if you are a current or former ADF member looking to own a home with subsidised loan interest payments. The scheme encourages long-term service by providing financial incentives. We can also help you compare DHOAS loans with other products. Consulting a financial adviser can help determine whether DHOAS aligns with your homeownership and financial goals.