Defence Home Ownership Assistance Scheme
The Defence Home Ownership Assistance Scheme (DHOAS) is a home loan subsidy scheme for eligible current and former ADF members.
A major objective of the DHOAS is to improve current ADF retention and recruitment rates.
This is achieved by offering you:
- Subsidy payments that help you to achieve home ownership in today's housing market;
- Progressively higher levels of assistance if you have served beyond critical career points.
You can access DHOAS if you have served on or after 1 July 2008, completed a qualifying period of service and you have accrued sufficient entitlement to gain a Service Credit.
Members in the Permanent Force need to complete four consecutive years of service to qualify, and then complete at least one month of service to accrue entitlement to DHOAS.
Reservists need to complete eight years of effective service to qualify, and then complete at least another 20 days of Reserve service within a financial year to accrue entitlement.
Subsidy tiers for 2011-12
Subsidy tier | Minimum Permanent service | Minimum Reserve service | Subsidised loan limit | Maximum monthly subsidy |
| 1 | 4 years | 8 years | $203,239 | Up to $277 |
| 2 | 8 years | 12 years | $304,859 | Up to $416 |
| 3 | 12 years | 16 years | $406,478 | Up to $554 |
- Monthly subsidy amounts can fluctuate each month based on changes to interest rates.
For further information, contact DVA on 1300 4 DHOAS (434627). If calling from overseas ring +61 7 3815 9450. Fax: (07) 3815 9430.
Latest News
New Subsidised Loan Limits for 2011-12
28-June-2011
The SLLs detail the level of subsidy available under DHOAS.
Subsidy Authorisation Request Form
28-June-2011
Completion of a Subsidy Authorisation Request Form is essential to commence payment of a DHOAS subsidy.
Calculator
Estimate your eligibility and entitlement for DHOAS
Apply for DHOAS
Fill out your DHOAS application form and post to DVA.
