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

Applying for a subsidy certificate


Members apply to DHOAS for a subsidy certificate. It is proof of your eligibility under the scheme. As part of the application, you also indicate if you'd like to apply for a lump sum.

You can email, fax or post your completed Subsidy Certificate and all supporting documentation to DHOAS.

Email: dhoas@dva.gov.au

Fax: +61 7 3815 9430

Post: GPO Box 9998, Brisbane, Qld 4001.

Your Application for Subsidy Certificate will be processed by DHOAS within five business days of receipt of your application as long as the form is completed with all required information, and you have provided all necessary service records.

If eligible, DVA will send to you the following:

  • Your subsidy certificate (please note it will not be sent directly to your Home Loan Provider) 
  • A letter informing you of the subsidy tier to which you are entitled
  • A fact sheet detailing the conditions of the Scheme

If you are not eligible, you will receive:

  • A letter explaining the reasons for the decision

When you receive your subsidy certificate you take it to one of the three Defence-nominated DHOAS Home Loan Providers, either the Australian Military Bank, Defence Bank or NAB, to apply for your home loan.

When your home loan is drawn down, your Home Loan Provider will advise DVA of the loan balance so that your subsidy entitlement can be calculated.

At this time, you will also need to send to DVA a completed Subsidy Authorisation Request Form, indicating you are meeting the conditions of the Scheme. DVA will commence paying your monthly payments into your DHOAS home loan. If you applied and was approved for a lump sum, this will be paid into your home loan at the same time as your first monthly subsidy payment.


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