You Served Your Country.
Let Us Serve You.
We specialise in DHOAS loans and defence home lending. With an ex-Army broker on our team who still serves in the Reserves, we understand your entitlements because we've lived them.
Matt Thomas
Matt served in the Australian Army and continues to serve in the Reserves. He understands the unique challenges defence personnel face when buying a home, from DHOAS entitlements to relocations and deployments. He's helped dozens of ADF members navigate the process.
What Is DHOAS?
The Defence Home Ownership Assistance Scheme provides a monthly subsidy towards your home loan interest - paid directly to your lender. The longer you serve, the more you receive.
Monthly Subsidy
The government pays a monthly subsidy directly to your lender, reducing your mortgage interest. Up to ~$981 per month at Tier 3.
Grows With Service
The longer you serve, the higher your tier and the bigger your subsidy. Your entitlement increases automatically as you hit service milestones.
Buy, Build or Refinance
DHOAS covers purchasing an existing home, building a new one, or refinancing an existing loan to a DHOAS-approved lender.
Tax-Free Benefit
The DHOAS subsidy is completely tax-free. It won't increase your taxable income - it's a pure benefit for your service.
Your Subsidy at a Glance
Based on the 2025–26 subsidy year. Amounts are estimates and fluctuate with the median interest rate.
- Tier 1
Entry Level
~$0*per month≈ $0 / yr- Permanent
- 2+ years
- Reserves
- 4+ years
- Most CommonTier 2
Mid-Level
~$0*per month≈ $0 / yr- Permanent
- 4+ years
- Reserves
- 8+ years
- Tier 3
Maximum
~$0*per month≈ $0 / yr- Permanent
- 8+ years
- Reserves
- 12+ years
*Estimated values based on the 2025–26 median interest rate. Subsidies fluctuate with the median rate and depend on your loan balance and the subsidised loan limits. Visit dhoas.gov.au for full details.
Not sure which tier you’re in? We can help you work it out.
Your DHOAS Journey
From your first call to receiving the subsidy.
- Step 1
Chat to Our Team
Tell us about your service, your goals, and where you're at. We'll explain your DHOAS entitlement and what you can access.
30 minute chat - Step 2
Get Your Subsidy Certificate
Apply to DVA for your Subsidy Certificate. This confirms your tier, your entitlement, and the maximum loan amount eligible for the subsidy. We'll guide you through it.
DVA timeframes vary - Step 3
Choose a DHOAS-Approved Lender
Only approved lenders can issue DHOAS loans. We'll compare the options and find the best rate and features for your situation.
Same week - Step 4
Application & Settlement
We handle the application, connect your Subsidy Certificate to the loan, and manage everything through to settlement.
4–6 weeks - Step 5
Subsidy Starts Flowing
Once you've settled and met the occupancy requirements, the DHOAS subsidy is paid directly to your lender each month - reducing your repayments for up to 20 years.
Ongoing
Frequently Asked Questions
Thank You for Your Service. Now Let Us Serve You.
Book a free chat with our team. We'll walk you through your DHOAS entitlements and help you get the deal you deserve.