Rent Out a Room (or the Whole House) While You’re Posted or Away
Your mortgage doesn’t stop when you’re posted or deployed—but what if it could pay itself off while you’re away?
As a serving ADF member or veteran, you know the meaning of mobility. Frequent postings, deployments, field training, and travel can leave your home sitting empty—and your mortgage ticking away. But what if you could turn that “dead time” into a money-making machine that crushes your home loan?
Renting out a spare room—or your entire home—while you’re away can generate income that you put directly into your mortgage, reducing your principal and slashing interest.
This strategy is one of the most practical tips in The Unofficial ADF & Veterans’ Guide to Paying Your Home Off FAST!—and one of the easiest to implement.
Why This Strategy Works for ADF Members
You’re often posted, deployed, or relocated temporarily. Instead of leaving your property empty (or absorbing double housing costs), you can:
- Rent out your entire home via permanent tenancy or Airbnb.
- Lease out a spare room while still living there.
- Maximise rent and tax deductions while your ADF housing support covers your own accommodation elsewhere.
It’s a low-risk, high-reward way to make your home work for you—even when you’re not there.
Three Smart Ways to Rent Out
1. Rent Out a Room (While Living In)
If you’ve got a spare bedroom, consider a long-term flatmate or short-term listing on platforms like Flatmates.com.au.
- Generate $200–$300 per week.
- That’s up to $13,000 a year in extra income.
- Apply it to your mortgage—this could cut years off your loan.
2. Airbnb Your Entire Home (While Away)
If you’re on deployment, extended training, or a family holiday, short-term rental is ideal.
- Higher nightly rates than traditional rent.
- Great for well-located properties near bases or cities.
- Use an Airbnb property manager to handle everything.
3. Permanent Rental (During Postings)
If you’re posted elsewhere and won’t be using the home for 6–12 months, rent it out full-time.
- Stable income while posted away.
- Property management keeps things hands-off.
- You may qualify for ADF rent allowance, LIA, or service accommodation, reducing your own expenses further.
Apply That Income Straight to Your Mortgage
Don’t treat rental income as “extra” spending money. Every dollar should go straight to your loan.
- It reduces your principal.
- Shrinks your interest bill.
- Builds your equity faster.
This simple discipline turns your property into a debt-reduction machine.
Tax Bonus: Claim Property Expenses
If your home becomes a rental, you may also be eligible to:
- Claim mortgage interest as a deduction (while tenanted).
- Claim depreciation, maintenance, and management fees.
- Boost your year-end tax refund—which you can then apply to your mortgage too.
Always consult a tax agent who understands ADF entitlements and property.
Make Your Home Work While You’re Not There
Your mortgage doesn’t care if you’re posted or deployed—but you can fight back by putting your property to work. Renting out a room, a section of your house, or the whole place while you’re away turns downtime into dollars.
And those dollars? They’re best used to crush your debt and build long-term freedom.
Need Help Setting This Up?
We’ve helped thousands of ADF members find the right properties and smart strategies to build wealth and reduce debt—even when they’re on the move.
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- Integrity Property Team