DHOAS: The Game-Changing Benefit Most ADF Members Don’t Fully Use

You’re earning it right now. But are you actually using it?

The Defence Home Ownership Assistance Scheme (DHOAS) is one of the most powerful and misunderstood entitlements available to ADF members and veterans.

It can slash your mortgage repayments. It can unlock your borrowing power. And it can make the difference between owning one property or building a portfolio.

But most don’t even know what it’s worth.

 What Is DHOAS?

DHOAS is a government-backed home loan subsidy scheme. In short, it helps you pay your mortgage.

The longer you serve, the greater your benefit becomes. It’s a monthly contribution towards your loan, paid directly to your lender to reduce interest and repayments.

And here’s the best part: you can use it over and over again with the right strategy.

How DHOAS Works

• You need two years of service (Permanent or Reservist under recognised categories) to access basic eligibility

   

• After four years of service, you unlock a higher tier of benefits 
• Benefits are indexed annually, and the subsidy amount is tied to the ADF Average Interest Rate 
• You must live in the property for at least 12 months after purchase to receive the subsidy 
• Loans must be through a DHOAS-approved lender (like Defence Bank, NAB, or Australian Military Bank) 

Depending on your tier, DHOAS can provide hundreds of dollars a month in mortgage relief—money that can either reduce debt or help you invest further.

Real Wealth Potential from DHOAS

Most ADF members think of DHOAS as “just a home loan benefit.” But smart investors know it’s so much more.

Here’s how high-performing ADF clients use it:

✅ Buy a quality investment property using DHOAS
✅ Live in it for 12 months to meet conditions
✅ Claim the DHOAS subsidy for 5+ years
✅ Use the cash flow boost to build a second deposit faster
✅ Repeat the strategy on the next purchase

This is how everyday ADF members end up with 2–4 properties while still serving.

Common DHOAS Mistakes to Avoid

❌ Using your DHOAS eligibility on the wrong property
❌ Not planning for the 12-month live-in requirement
❌ Letting eligibility lapse by leaving the ADF with no plan
❌ Getting locked into the wrong lender or loan structure

Don’t waste your DHOAS on a home that won’t grow in value.

DHOAS Quick Facts

• Type: Monthly loan subsidy (tax-free) 
• Amount: Based on tier (service length) and ADF Average Interest Rate 
• Requirements: Live in property 12 months; use an approved lender 
• Eligibility: 2+ years service (Permanent/Reservist with qualifying service) 
• Strategy: Use DHOAS to support high-performing properties and grow your portfolio 

You’re Already Earning It, Let’s Put It to Work

We’ll help you:

• Confirm your DHOAS tier and available benefits 
• Choose the right type of property for long-term growth 
• Combine DHOAS with HPAS, FHOG, and stamp duty savings 
• Avoid the hidden traps that stop most ADF members from using this benefit properly 

Ready to Turn Your Mortgage Into a Wealth Engine?

📘 Download the Unofficial ADF Property Guide
🎥 Join our free ADF Property Investing Webinar
📞 Book a Discovery Call with a strategist who understands Defence life

👉 Download the Guide – https://www.integritypropertyinvestment.com.au/the-unofficial-adf-property-guide/

 👉 Book Your Discovery Call –https://www.integritypropertyinvestment.com.au/free-discovery-call/

 👉 Secure Your Seat at the Webinar – https://www.integritypropertyinvestment.com.au/property-investing-for-adf/

You’re already eligible for benefits that most people can only dream of. Let’s use them wisely and save you thousands.

• The Integrity Team