Defence Home Ownership Assistance Scheme (DHOAS) Loans

We help ADF members and veterans access home loans through DHOAS and other lenders to achieve their dream of home ownership.

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DHOAS Eligibility Advice

Receive personalised advice on DHOAS eligibility, addressing your service history, rank, and length of service to maximise benefits.

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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

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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

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.

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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.

Comparison of DHOAS and Other Home Loans arison

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

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Den Coronel profile picture
Den Coronel
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The team at NSF has helped me above and beyond to get my finances in control. Through multiple consultations they have made sure to cover all areas of my personal wealth. They have provided me with an in-depth plan to carry out financial decisions, along with with support and guidance around ensuring stable financial choices. I recommend Wayne and his team for all my wealth prospects, as they have given me an amazing outlook toward my future. They have been very professional and their communication is amazing.
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REGAN ELLIOTT profile picture
REGAN ELLIOTT
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This team of people are so genuine and honest. Really recommend Wayne and the girls for ex Defence people because they know the in's and out's of all things MSBS, Super and finance! Thank you guys for your help sorting me out! 5 🌟
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James Arnold profile picture
James Arnold
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I contacted Wayne and his team at National Service Financial during my medical discharge earlier this year and they have been exceptionally helpful and professional. Their knowledge regarding the DVA and CSC processes is fantastic and they have made the whole process easier to understand. They have also supported me in other areas such as real estate and setting myself up financially moving forward. They have always made themselves available to assist me with any queries or questions that I have had. They have made a huge difference during what was a difficult and stressful time. I would highly recommend anyone seeking financial advice to contact National Service Financial.
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Tim Loone profile picture
Tim Loone
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Have been extremely happy with the service and support from Wayne and Megan. They have always been available and offer honest and frank advice. Highly recommended
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Peter Hassall profile picture
Peter Hassall
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Their in depth knowledge of the ADF Medical Discharge process and network is focussed on ADF Members getting the right result and entitlements afforded to them. The financial guidance and recommendations have assisted me in making good decisions, for our families future, post Medical Discharge.
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Levi Cahill profile picture
Levi Cahill
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During a very stressful time separating from the ADF on Medical grounds after 21 years of service, I contacted Wayne at NSF in 2020 for help. With a wife and 2 young children to also worry about, Wayne and his amazing team of professionals made themselves available not only during normal work hours but worked around what days/times worked for us. NSF guided me through my discharge process and helped us secure our first home for my family and I which relieved a lot of financial stress. I have recently contacted Wayne again as my financial situation has slightly changed and again he made himself and his extremely knowledgeable team available to successfully guide me through process's in relation to the ever evolving DVA, CSC and taxation system. So again my family and I are in a much better financial situation purely because of their due diligence and up-to-date knowledge of Veterans and their associated eligibility for various benefits and support. To say they care about their clients would be an extreme understatement.
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S profile picture
S
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I recommend NSF, especially for serving military members and veterans. Wayne and the team helped us after the initiation of a transition from full time military service on medical grounds. They had the ability to clearly explain the interdependence of superannuation, insurance, compensation, and pensions and helped us make some informed and immediate decisions to improve our financial stability. The provided advice was also comprehensive and incorporated our personal goals. The team understand the challenges of transition and showed exceptional empathy and support at all times. Most importantly, we were assisted in purchasing a new home and felt supported during what may have been a complex and stressful process.
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Nathan Caddis profile picture
Nathan Caddis
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Highly recommend NSF for all financial consulting needs. As a member of the defence force transitioning into the civilian world, there was alot things I needed to sort to secure my financial wellbeing. Wayne and his team were quick to sort out what I needed, liaising with both DVA and Military Super to ensure I would receive exactly what I was entitled to in minimum time. We have now sought their expertise to help with the purchase of a new home. Again they have jumped straight into action to assist, even at short notice, liaising directly with numerous lenders to secure us the best product.
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Julie Anne Uljanic profile picture
Julie Anne Uljanic
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The National Service Financial team have worked wonders to set up our SMSF and investment portfolio. From our initial contact it was easy to see that Wayne and Megan know their stuff, they are incredibly knowledgeable and professional; and really just all round great people to deal with. I would have absolutely no hesitation in recommending their services to anyone starting out with a financial planning dream or wishing to upgrade to a top notch A+ financial service.

Who We Are

We are a veteran-owned financial advisory firm with experience in Defence entitlements like DHOAS, HPAS, and HPSEA – providing comprehensive, reliable support for military personnel and their families. With extensive military knowledge, we deliver expert guidance addressing the financial needs of ADF members and veterans.

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Why Work With Us

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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.

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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.

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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.

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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.

1 (2)

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.

2 (1)

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.

3 (1)

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.

4 (1)

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.

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