Have you bought a home during service? If not, why not?
The government is handing out tens of thousands to ADF members. Are you claiming yours?
If you’re serving in the ADF and haven’t yet bought a home or investment property, here’s something you need to know:
You could be eligible for $30,000+ in grants and decades of home loan subsidies, but only if you take action.
Most members wait too long, miss the window, or use these entitlements the wrong way (like buying in the wrong city at the wrong time).
Let’s break it down.
The Four Big Entitlements You Could Be Using Right Now
1. DHOAS – Defence Home Ownership Assistance Scheme
- A monthly subsidy on your home loan repayments
- Can last up to 25 years
- Tax-free
- Value depends on your qualifying period (typically $300–$800+/month)
- Can be used for investment property if structured correctly
💡 From the book: “One client used DHOAS to reduce their loan repayments by $35,000 over 5 years—while also earning capital gains on their investment property.”
2. HPAS – Home Purchase Assistance Scheme
- A lump sum payment of $16,949
- Tax-free
- One-off, triggered by a qualifying home purchase
- Can be used toward deposit or costs
🎯 Perfect for first-time buyers who need a leg up on their first deal.
3. HPSEA – Home Purchase or Sale Expenses Allowance
- Reimburses you for buying/selling costs when you’re posted
- Can include legal fees, stamp duty, agent commissions and more
- Covers expenses for both sale of one home and purchase of another
⚠️ Most members don’t claim this because they don’t know it exists or miss the paperwork window.
4. FHOG – First Home Owner Grant
- State-based grant (e.g. QLD offers $30,000 in 2024–2025)
- Available for new builds or substantially renovated homes
- Can often be used alongside DHOAS and HPAS
📊 Real-World Example (from the book):
One client used:
- HPAS to cover their deposit
- FHOG to reduce build costs
- DHOAS to subsidise repayments
- HPSEA to cover relocation costs
Result? They purchased a brand-new property in a growth corridor with zero out-of-pocket upfront and had a tenant lined up before handover.
Don’t Make This Mistake
Too many members:
- Wait until discharge to “sort it out”
- Think they’re “not ready” or “don’t know enough”
- Assume they can’t use these benefits for investment property
From the book:
“Most ADF members will waste or lose over $100,000 in unused benefits simply because they didn’t take action.”
You earned these benefits through service—now it’s time to make them work for your financial future.
🎥 Watch the free ADF Masterclass Webinar
👉 Register here – https://www.integritypropertyinvestment.com.au/property-investing-for-adf/
📘 Download the Free ADF Guide
This no-fluff book outlines every benefit, common mistake, and investment strategy in simple, clear language.
👉 Get the guide – https://www.integritypropertyinvestment.com.au/the-unofficial-adf-property-guide/
- The Integrity Team