Page title

ADF Housing Entitlements – DHOAS, HPAS & HPSEA

Defence Housing Entitlements

Fortunately for Australian Defence Force (ADF) members, there are multiple housing entitlements available that enables these members and their families to achieve home ownership. Available to members and veterans, these entitlements come in different forms, including lump-sum payments, loan subsidy and reimbursement.

Years of experience in property investment paired with a background in the ADF has enabled us to understand these entitlements in detail and share how to best maximise their benefits. Each entitlement is separate to another, however they can be grouped into two general categories – ‘assistance to purchase’ (HPAS/HPSEA) and ‘assistance to repay the loan’ (DHOAS).

Defence Home Ownership Assistance Scheme (DHOAS)

DHOAS has two elements - a loan subsidy payment and a lump sum payment. To be able to access DHOAS, you need to have served in the ADF within the last two years, completed a Qualifying Period of Service and accrued a Service Credit. After you have completed this qualifying period, you then need to accrue an entitlement, known as a Service Credit, to access DHOAS subsidy assistance which is equal to your total years of ADF service minus your qualifying period. You can receive DHOAS for as long as you have a Service Credit and a DHOAS home loan into which your subsidy can be paid, and you meet the conditions of the scheme.
Home Purchase Assistance Scheme (HPAS)

HPAS should be looked at like it’s the First Home Owners Grant (FHOG) for the ADF. It’s in addition to what you would receive from the FHOG. You’re going to receive money from the State Government and then you are going to receive money from the ADF as well. HPAS is payable only once during your ADF service. You may be entitled to assistance with your initial home purchase if you meet the conditions set out and have had no previous entitlement.
Home Purchase or Sale Expenses Allowance (HPSEA)

Basically, the HPSEA is founded on the principle that you should not be penalised or denied the privilege of living in your own home because, you are serving your country. As compensation for the ADF posting you all around the place, you are entitled to be reimbursed a range of fees and costs associated with selling your home and purchasing and occupying a new home in a new posting locality.

Defence Home Ownership Assistance Scheme (DHOAS)

DHOAS has two elements - a loan subsidy payment and a lump sum payment. To be able to access DHOAS, you need to have served in the ADF within the last two years, completed a Qualifying Period of Service and accrued a Service Credit. After you have completed this qualifying period, you then need to accrue an entitlement, known as a Service Credit, to access DHOAS subsidy assistance which is equal to your total years of ADF service minus your qualifying period. You can receive DHOAS for as long as you have a Service Credit and a DHOAS home loan into which your subsidy can be paid, and you meet the conditions of the scheme.
Home Purchase Assistance Scheme (HPAS)

HPAS should be looked at like it’s the First Home Owners Grant (FHOG) for the ADF. It’s in addition to what you would receive from the FHOG. You’re going to receive money from the State Government and then you are going to receive money from the ADF as well. HPAS is payable only once during your ADF service. You may be entitled to assistance with your initial home purchase if you meet the conditions set out and have had no previous entitlement.
Home Purchase or Sale Expenses Allowance (HPSEA)

Basically, the HPSEA is founded on the principle that you should not be penalised or denied the privilege of living in your own home because, you are serving your country. As compensation for the ADF posting you all around the place, you are entitled to be reimbursed a range of fees and costs associated with selling your home and purchasing and occupying a new home in a new posting locality.

How to maximise your ADF housing entitlements

While it's important to understand what your housing entitlements are, understanding when and where to use them is the key to maximising their benefits. If used incorrectly, you could be missing out on thousands of dollars in benefits, which is why it's important to consult with an experienced ADF property investor before utilising your benefits.

To help you understand how to maximise your ADF housing entitlements, we offer our users a free webinar hosted by experienced ADF investor Daimien Patterson. During the webinar, we offer tips and best practices, explain limitations and restrictions, and help guide you on the pathway of ADF property investing so that you can get started today.

Get access to free webinar

-- What you'll learn --

How To Build A Multi-Million Dollar Portfolio

We'll teach you how to successfully leverage your benefits and manage risk whilst growing a sustainable property portfolio.

Your ADF Housing Entitlements (DHOAS, HPSEA & HPAS)

We'll outline your ADF housing entitlements and show you how to use them, as well as the best time to use them. Using them at the wrong time can cost you!

What Type Of Property Should You Acquire?

We'll explain how to reduce risk and maximise cashflow when choosing investment properties, and outline which properties to acquire (old vs new, house vs apartment, owner-occupier vs investment).

What previous attendees are saying

Alex
Sydney, CBD

“The lightbulb moment was when you broke down the equity part of the home and how you can use that to invest and actually create an income stream…”

Brodie
Springfield Lakes

“Great opportunity to learn more about something you’re not taught through school!”

Chris
Brisbane, CBD

“Sharp to the point, a lot of rookie mistakes I didn't know I made... definitely speak to the experts before you do anything!”

About us

DAIMIEN PATTERSON

Daimien Patterson served in the full-time ADF from 1996 to 2010 and continues to serve in the Reserves. Whilst serving in the ADF he became a very successful property investor. Daimien grew up in the Western suburbs of Sydney. As the son of a single mother with four kids living in a working class community he went without many things as a child. He saw his mother struggle with money trying to raise four children and work full-time to support them.

This had a profound effect on him. It taught him to never take the things you have for granted, but also made him determined to never have to struggle like that when he had his own family to support. Daimien is now known as one of Australia’s leading Property Investment Strategists, and is the owner of Integrity Property Investment. Daimien set-up Integrity Property as a company with essential services to help others to gain financial freedom through property investment, not just by achieving average results, but by achieving awesome results!

Daimien has been featured in the following for his property investment knowledge and his youth development work

Our next webinar

Thursday, January 06

7:00 PM AEST

1700H WA / 1830H NT / 1900H QLD / 1930H SA / 2000H NSW/ACT/VIC/TAS

29
DAYS
10
HOURS
47
MINUTES
56
SECONDS

Get access to free webinar