Australian Government - Department of Defence - Department of Veteran's Affairs

Interest rate changes and subsidy - 2025-26 subsidy tier limits

The subsidised loan limits for 2025-26 are used to calculate your DHOAS subsidy if your first payment period commenced within 2025-26.

They do not apply to subsidies first paid in July 2025 that cover the payment periods of May or June 2025. In this case, your subsidy is calculated on the 2024-25 subsidised loan limits.

MONTH

INTEREST RATE

TIER 1 $413,690

TIER 2 $620,535

TIER 3 $827,380

2025
July 6.28% $509 $763 $1,018
August 6.27% $508 $762 $1,016
September 5.94% $476 $715 $953
October 5.88% $471 $706 $942
November 5.88% $471 $706 $942
December 5.85% $468 $702 $936

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