Eligibility and entitlements
Your length and type of service will determine your eligibility and entitlements under DHOAS.
You must first complete a qualifying period and accrue a Service Credit to access the Scheme.
The qualifying periods differ for Permanent and Reserve members. The years of service required for members to progress up to higher tiers also differ.
Specific details about DHOAS eligibility and entitlement is provided here for both Permanent and Reserve members.
There are also a range of variables that can impact on DHOAS eligibility and entitlement. They include warlike service, lateral service, taking a break in service and separating from the ADF.
Other variables include switching from, or previous access to, other Defence home ownership schemes.
You are advised to review details about any variables that may impact on your eligibility and entitlement. This will enable you to make an informed choice about accessing DHOAS.
Members should also note that the monthly DHOAS subsidy you are paid is determined by your eligible subsidy tier as well as the actual amount of your home loan.
After reviewing details about eligibility and entitlement, you should also check the section Your Subsidy Assistance. This will enable you to understand how much you may receive from DHOAS, depending on your subsidy tier and home loan amount.