HPAS – Your Tax-Free Launchpad Into Property Investing

There’s a little-known entitlement in Defence that can immediately boost your property deposit by over $16,000 tax-free.

It’s called the Home Purchase Assistance Scheme (HPAS). And if you’re eligible, it could be the difference between sitting on the sidelines and owning your first investment property.

Most members use HPAS reactively, without strategy. But used properly, it can set your financial trajectory years ahead of the average Australian.

What Is HPAS?

HPAS is a once-only, tax-free payment of over $16,000 (indexed annually) offered to ADF members to help cover the costs of buying their first home.

It’s designed to support homeownership, but what most people don’t realise is you can also use HPAS to buy an investment property, provided you meet the conditions.

Who’s Eligible?

You may qualify if:

• You’re a permanent ADF member 
• You’re buying your first home in a new posting location 
• You plan to live in the property for at least 12 months 
• The home is within a reasonable distance of your current or new posting 
• You have not previously used HPAS 

That’s it. Meet the criteria, and the Defence Force pays you over $16,000 tax-free to support your purchase.

Where Most ADF Members Go Wrong

Here’s what we see all the time:

❌ Using HPAS to buy an old, low-growth home in your posting city
❌ Missing the entitlement because no one told you about it
❌ Not planning the purchase properly, wasting HPAS on a short-term decision
❌ Combining it poorly with other entitlements (or not at all)

HPAS is most powerful when combined with other ADF benefits, like DHOAS, HPSEA, and First Home Owner Grants, plus smart property selection.

How Smart Investors Use HPAS Strategically

You don’t have to buy your “forever home” to use HPAS effectively.

Many ADF members are using it to:

• Reduce their upfront deposit for a high-growth investment 
• Stack it with DHOAS + FHOG to fund their first property 
• Occupy the property for 12 months, then convert it into an investment 
• Accelerate their journey to a portfolio without using all their own savings 

Imagine buying a brand-new home in a booming suburb, using:

• HPAS for your deposit 
• FHOG to top it up 
• DHOAS to reduce your repayments 

This is how portfolios are built even while still serving full-time.

HPAS Quick Facts

• Amount: $16,949 (2024–25 financial year) 
• Type: Tax-free lump sum 
• Used for: Buying your first home (or investment, if structured right) 
• Conditions: Live in the home for 12 months, buy in posting location 
• Combine with: DHOAS, HPSEA, First Home Owner Grant, DVA compo 

Make HPAS Work Harder For You

This isn’t just free money it’s an opportunity to start building serious wealth while you serve.

Our team can help you:

• Confirm your eligibility 
• Strategically use HPAS alongside other entitlements 
• Choose the right property in the right location 
• Avoid rookie mistakes that waste your benefit 

Ready to Start?

📘 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