The Power of DHOAS—ADF’s Most Valuable Property Benefit

If you’re still in the ADF and haven’t looked into DHOAS yet, you could be missing out on tens of thousands of dollars.

For many Defence members, DHOAS (Defence Home Ownership Assistance Scheme) is the gateway to home ownership, or better yet, smart property investment.

But it’s also one of the most misunderstood and underused entitlements available.

Let’s break it down.

What is DHOAS?

DHOAS provides monthly subsidies to help reduce the cost of your home loan. It’s a long-term benefit designed to support ADF members in sustainable homeownership, but it can also be used as part of an investment strategy (if structured correctly).

How it works:

• You receive a monthly subsidy paid directly to your lender
• The amount depends on your service credit (length of service) and the current ADF DHOAS tier structure
• It’s available while serving and after discharge (with qualifying service time)

Depending on your tier, DHOAS can save you $10,000–$30,000+ over the life of your loan.

Common Mistakes with DHOAS

Most members think of DHOAS as a simple way to buy a home. But without strategy, many fall into traps like

• Using DHOAS to buy an old, negatively geared home
• Buying in the wrong market (usually their posting location)
• Failing to structure the loan with a DHOAS-approved lender
• Delaying use and missing the financial benefits altogether

The real win? Combining DHOAS with other entitlements (like HPAS or FHOG) to reduce your costs AND build equity faster.

Can You Use DHOAS to Invest?

Yes, under specific conditions.

If you occupy the property for 12 months (as required) and then convert it into an investment after that, you retain eligibility.

This strategy has been used successfully by many ADF members to:

✅ Buy in growth markets.
✅ Leverage DHOAS to reduce repayments.
✅ Transition the property into a cash-positive investment.

DHOAS Quick Facts:

• Eligibility starts after 2 years of permanent service or 4 years of Reserve service
• The subsidy amount is based on tiered credits (Tiers 1–3)
• You must use a DHOAS-approved lender
• You need to live in the property for 12 months to qualify
• Can be used while serving or up to 5 years post-discharge

Are You Making the Most of Your DHOAS?

If you’re eligible for DHOAS but haven’t used it, or worse, used it on the wrong property, it’s not too late.

We’ll help you:

• Build a property investment plan using DHOAS wisely
• Combine it with HPAS, HPSEA, DVA compensation, and grants
• Select the right property type and location for long-term growth
• Avoid costly errors that reduce your subsidy or increase your risk

Take Action Today:

📘 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 earning the benefits. Let’s help you use them to build real wealth.

• The Integrity Team