When will I get my Subsidy Certificate?
There are no delays in processing Subsidy Certificates and members can expect their applications to be processed by DVA within a couple of days of receiving them.
Once we've determined you're eligible for DHOAS, we will send to you your Subsidy Certificate.
We will also inform you of the Subsidy Tier to which you're entitled.
In addition to these details, DVA will send to you important information about the conditions of the Scheme.
If you're not eligible, we will send to you a letter explaining the reasons for the decision.
It is important you complete your application, providing all details that are requested. Otherwise your application will be delayed or DVA will be unable to process it.
If you're uncertain, please contact DVA on 1300 4 DHOAS (1300 434 627).
For members calling from overseas, please call: +61 +7 38159450.
Posting your Subsidy Certificate
Please note that all Subsidy Certicates are sent to members in the mail.
They will not be faxed directly to your home loan provider.
Certificate Valid for 12 Months Only
A DHOAS Subsidy Certificate is valid for 12 months from the date it is issued. The date of issue and the date of expiry is indicated on the Certificate.
If your Subsidy Certificate expires and you require a replacement, you must complete a new application. Your new application will be assessed in accordance with the legislation and regulations, subsidised loan limits and your home loan balance that are applicable on the date your application is received.
There is no discretion under the DHOAS Act to extend the validity of a Subsidy Certificate beyond 12 months, in any circumstances.
Construction Loans and Subsidy Certificates
Please note that special conditions apply to DHOAS Construction Loans and Subsidy Certificates.
One Subsidy Certificate Only after Discharge
You can access only one Subsidy Certificate after you discharge.
You must apply for this Subsidy Certificate within two years of discharging, and you must use it within 12 months of its issue.
There is no discretion under the DHOAS Act to extend the validity of a Subsidy Certificate beyond 12 months, in any circumstances.
IMPORTANT: Please note that you can only apply for one Subsidy Certificate after discharge, not only be issued one certificate after discharge. This means that once DVA has received your correctly completed application you have expended your once-only application opportunity whatever the outcome. Therefore, even if you withdraw the application, you will not be able to reapply in the future.
Options if Your Subsidy Certificate Expires
* If you are a member who is still providing effective service in the ADF, and your Subsidy Certicate expires, you can apply for a new certificate.
* If you are no longer providing effective service in the ADF, but your previous application for a Subsidy Certificate was made prior to you ceasing effective service, you are still able to apply for one more Subsidy Certificate, but no more than one. If you re-start effective service, you will be able to access further Subsidy Certificates.
* You lodged your previous application for a Subsidy Certificate after you discharged, but you expect that in the coming financial year you will complete effective Reserve service, or you will rejoin the Permanent Force. In this instance, you can apply for another Subsidy Certificate once you have rejoined and completed effective service.
* If you lodged your previous application for a Subsidy Certificate after you discharged but you do not expect to perform effective service in the future, you will not be able to apply for another Subsidy Certificate. You used up your once-only, post-discharge opportunity to apply for a certificate with your previous application.