Welcome to DHOAS

The Defence Home Ownership Assistance Scheme (DHOAS) assists current and former Australian Defence Force (ADF) members and their families to achieve home ownership. DHOAS is administered by the Department of Veterans' Affairs on behalf of the Department of Defence.

The Scheme is aimed at improving ADF recruitment and retention. The longer you serve in the ADF, the more entitlement you accrue under DHOAS and the longer you can receive assistance.

To be eligible, you must have served on or after 1 July 2008 and completed a qualifying period of service (minimum of 2 years of consecutive Permanent ADF service or a minimum of 4 years of effective Reserve service of at least 20 paid days per financial year). You must have completed enough effective service to accrue a service credit.

You will need to take out a DHOAS home loan and meet the Scheme conditions, including occupancy requirements, to receive the monthly subsidy payments.

Subsidy tiers for 2026-27

Subsidy tier	Minimum Permanent service	Minimum Reserve service	Subsidised loan amount	Maximum monthly subsidy*
1	2 years	4 years	$455,622	Up to $588
2	4 years	8 years	$683,433	Up to $882
3	8 years	12 years	$911,244	Up to $1,176

*Estimated monthly subsidy values based on the June 2026 median interest rate. These monthly subsidy values fluctuate based on changes in the median interest rate.

DHOAS Explained: Home Ownership Support for ADF Members and Veterans

Learn how DHOAS supports eligible ADF members and veterans to achieve home ownership. This video provides a clear overview of DHOAS, including how the scheme works, who may be eligible, and the type of assistance available. Whether you’re a current serving or former member of the ADF, understanding your entitlements can help you make informed decisions about buying a home.