Defence Home Ownership Assistance Scheme (DHOAS)
The Defence Home Ownership Assistance Scheme is a home loan subsidy scheme for eligible ADF members.
A major objective of the DHOAS is to improve current ADF retention and recruitment rates.
This objective will be supported by providing:
- Home ownership assistance that reflects the contemporary housing and home finance markets; and
- Progressively higher levels of assistance for eligible members serving beyond critical career points.
Generally, any member who joined the permanent ADF prior to 1 July 2004 or the Reserves prior to 1 July 2000, and who has provided effective service performed in consecutive years up to and including 1 July 2008, will be eligible.
Check out the DHOAS eligibility calculator and other resources on this website to help you find out more about the Scheme.
An overview of the Subsidy Tiers is provided here for your quick reference. For full details about your entitlements under DHOAS refer to Eligibility and Entitlements.
Subsidy Tier Level | Minimum Permanent Service | Minimum Reserve Service | Maximum Loan Limit | Maximum Monthly Subsidy |
|---|---|---|---|---|
1 | 4 years | 8 years | $187,159 | Up to $353 |
2 | 8 years | 12 years | $280,738 | Up to $529 |
3 | 12 years | 16 years | $374,318 | Up to $705 |
- Monthly subsidy values are valid as at 1 July 2008. Subsidy payments will fluctuate in line with changes in home loan interest rates. The maximum monthly subsidy values are capped.
- The maximum loan limits are reviewed annually.
For further information, contact DVA on 1300 4 DHOAS. If calling from overseas, ring +61 +7 38159450
Latest News
Reserve Eligibility - Change in Advice
29-August-2008
Reserve members are no longer required to first complete 20 days of Reserve service within 2008-09 before they can access DHOAS assistance. To be eligible, they must have completed their eight year qualifying period, completed effective service in 2007-08 and have accrued a service credit.
Application Delays
10-July-2008
DVA has received an overwhelming number of applications for Subsidy Certificates. We will endeavour to process these applications as quickly as possible, but members are advised there will be delays.
DHOAS Road Show Seminars
Click above to find out more about the 2008 DHOAS Roadshow seminars. Coming up are:
- Oakey 4/9
- Borneo 5/9
- Tindal 8/9
- Darwin 9/9
- Coonawarra 9/9
- Robertson Barracks 10/9
- RAAF Darwin 11/9
- HMAS Albatross 15/9
- Hydrographic Service W'gong 16/9
- HMAS Creswell 16/9
Eligibility Calculator
Find out your eligibility and entitlement for DHOAS!
Apply for DHOAS
Fill out your DHOAS application form and post to DVA.
