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Helping Defence Members Build Wealth Through Property

Defence Home Ownership Assistance Scheme (DHOAS) Home Loans

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Defence Home Ownership Assistance Scheme (DHOAS) Home Loans

Defence Home Ownership Assistance Scheme (DHOAS)

The Defence Home Ownership Assistance Scheme (DHOAS) is one of the most valuable benefits available to current and former members of the Australian Defence Force (ADF).
It’s designed to make buying a home or investing in property more achievable — by reducing the cost of your home loan interest and rewarding your service with real, long-term financial support.

If you’ve served in the Army, Navy, or Air Force, you could be eligible for significant savings through a DHOAS-approved home loan and that’s where expert lending advice matters most.

Australian Defence Force worker get's a home loan.

Defence Home Ownership Assistance Scheme (DHOAS) Home Loans

What Is the Defence Home Ownership Assistance Scheme (DHOAS)?

The DHOAS is an Australian Government initiative that helps Defence members transition into home ownership.
Through the scheme, eligible ADF members receive a monthly subsidy that contributes directly to their home loan interest, making mortgage repayments more affordable.

It’s more than a home loan, it’s a financial head start that recognises your service and helps you turn property into a long-term wealth-building asset.

How the DHOAS Works

The DHOAS is an Australian Government initiative that helps Defence members transition into home ownership.
Here’s how the Defence Home Ownership Assistance Scheme benefits eligible members:

  • Monthly Interest Subsidy – The government pays part of your home loan interest each month, reducing your out-of-pocket costs.
     
  • Three Tiers of Entitlement – The longer your service, the higher your subsidy tier and loan entitlement.
     
  • Portability – You can use your DHOAS loan for a new property if you sell and buy again (conditions apply).
     
  • Access to Competitive DHOAS Lenders – Not every lender offers DHOAS home loans, but we’ll help you find one that does and ensure your structure is optimised for maximum benefit.
    It’s more than a home loan, it’s a financial head start that recognises your service and helps you turn property into a long-term wealth-building asset.

Who Is Eligible for a DHOAS Home Loan?

To be eligible for the Defence Home Ownership Assistance Scheme, you must:

  1. Have completed a minimum qualifying period of ADF service.
     
  2. Be a current or former member of the Permanent or Reserve Forces.
     
  3. Have accrued a service credit and have not already used your full entitlement.
     
  4. Choose a DHOAS-approved lender and use the loan for a residential property in Australia.
     

Even if you’ve left the Defence Force, you may still be eligible — the scheme recognises both current and former service members.

How We Help Defence Members with DHOAS Loans

We specialise in helping ADF personnel make the most of their DHOAS benefits.
Whether you’re buying your first home, refinancing an existing one, or looking to invest, we’ll guide you through every step from eligibility to approval.

Here’s what we do for you:

  • Explain your entitlements and subsidy options clearly.
     
  • Compare DHOAS-approved lenders to find the best rates and terms.
     
  • Help structure your loan to build equity and wealth, not just buy a home.
     
  • Manage all the paperwork so you can focus on life, not lending.
     

We speak your language, not the bank’s.

Why Use a Broker for Your DHOAS Loan?

DHOAS loans can be complex the rules, tiers, and eligibility criteria often trip people up.
Working with a broker who understands ADF lending structures ensures you don’t leave money on the table.

We’ll help you:

  • Maximise your subsidy across your full entitlement period.
     
  • Combine your DHOAS benefit with other home ownership schemes (like First Home Guarantee).
     
  • Strategically plan for your next move whether that’s upgrading, investing, or using equity to build wealth.
     

This isn’t just about a cheaper mortgage.
It’s about creating a smart financial foundation using the benefits you’ve earned.

Start Your DHOAS Journey

If you’re serving or have served in the Australian Defence Force, the Defence Home Ownership Assistance Scheme is your opportunity to turn service into strategy and property into progress.

We’ll help you navigate the process, find the right lender, and structure your loan for maximum impact.


Take advantage of your DHOAS benefits today.
Let’s turn your service into a smarter financial future.


📞 Book a call or send a message to start your DHOAS home loan application today.

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