JP MORTGAGES
Defence
Personnel
Maximize Your Home Loan Benefits with a DHOAS Loan
At JP Mortgages, we understand the unique opportunities available to defence personnel through the Defence Home Ownership Assistance Scheme (DHOAS). As a program specifically designed to reward your dedication and service, DHOAS loans can significantly reduce your financial burden and help you achieve your dream of homeownership.
What is DHOAS?
The Defence Home Ownership Assistance Scheme is an initiative by the Australian Government aimed at providing financial assistance to eligible Australian Defence Force (ADF) members. DHOAS offers a monthly subsidy towards your home loan, helping to lower your repayments and make owning a home more affordable.
Why Refinance to a DHOAS Loan?
If you are currently serving or have previously served in the ADF, refinancing to a DHOAS loan could offer significant benefits, including:
- Subsidised Repayments: One of the key features of DHOAS is the government-provided monthly subsidy that can be applied directly to your mortgage repayments, reducing your financial obligations and freeing up more of your income for other needs.
- Tiered Benefits Based on Service: As you progress through your military career, the level of subsidy increases. The longer you serve, the greater the financial assistance, making a DHOAS loan an even more rewarding option over time.
- Tax-Free Advantage: The DHOAS subsidy is completely tax-free, giving you an added financial advantage without increasing your taxable income.
- Competitive Interest Rates: DHOAS loans are offered by select financial institutions at competitive interest rates, providing you with the opportunity to lock in lower rates and save on interest over the life of the loan.
- Support for Frequent Relocations: Given the mobility often required in defence roles, DHOAS loans are flexible and can help facilitate relocations, whether you’re posted locally or internationally.
Why Choose JP Mortgages?
At JP Mortgages, we specialise in helping defence personnel navigate the complexities of DHOAS and other military-focused mortgage options. Our team of expert brokers will guide you through the process, ensuring you understand the benefits available to you and help you secure a loan that suits your needs. We’re committed to helping you make the most of your service benefits while achieving your homeownership goals.
Contact us today to learn how refinancing to a DHOAS loan can save you money and provide long-term financial security for you and your family. We’re proud to serve those who serve our country.
JP MORTGAGES. THE RIGHT PEOPLE, THE RIGHT CHOICE.
Meet Our Lenders
We are proud to offer to you a carefully curated network of reputable lenders who share our commitment to excellence and client satisfaction. Our extensive partnerships encompass a diverse array of financial institutions, including major banks, credit unions, and private lenders, ensuring that we can offer our clients a comprehensive range of loan options tailored to their unique needs.
Our Success Clients
I can’t express highly enough how professional and helpful the team were at JP Mortgages. With their experience and knowledgeable advice we were able to purchase our beautiful home.
Definitely recommend to anyone, thanks so much JP Mortgages.
Natasha Stone
Can’t recommend james and the rest of the team at JP mortgages enough! Easy to contact and communicate with from the get go. Went above and beyond to put me at ease! The ongoing support is second to none and I’ll definitely be back. Can’t thank James enough for all his work
Sam Hunt
James, Matt and Alyssa have been very helpful and professional from the very start when I first let them know my situation right up until the very end when my mortgage was settled. I recommend for all property investors in Aldinga and surrounding region to count on JP Mortgages for their loan solutions. I will be using their services again soon when it comes to investing in my next property, probably in a year from now.
Stavros Markou
If you questioning whether a Mortgage Broker is the way to go? Then trust me when I say, making the step to go see JP mortgages will put you at ease. I was so unsure where to start with buying my first home. As soon as I arrived to see James and Alyssa, they made me feel so comfortable. They’ve made sure every step was informative and seamless. Now thanks to the team I’m a first time home owner. Will definitely be back
Michelle Binns
James & the team did an incredible job at getting my house loans documents ready in such a short amount of time. I couldn’t be more grateful! Highly recommended for their great communication, expertise & friendliness.
Amy-Lee Macrow
After waiting in the banks for months we decided to make an appointment with James. Best decision ever he explained everything and the turn around was quick - would definitely recommend!
Nikki Jones
If I could give more stars I would. JP Mortgages gives incredibly professional service.
Kirsty Martinese
frequently asked questions
Current and former ADF members may be eligible for a DHOAS loan, depending on their length of service and active duty status. Please get in contact to see if you are eligible.
The government provides a monthly subsidy that is paid directly to your lender. The amount of the subsidy depends on your length of service and the tier level you qualify for. The longer you serve, the higher the subsidy.
Yes, If you’re eligible for the scheme, you can switch to a DHOAS-approved lender and start receiving the monthly subsidy.
Yes, former ADF members who have completed the qualifying period can still access DHOAS benefits for up to five years after leaving the service.
Areas We Service
- Aldinga
- Aldinga Beach
- Sellicks Beach
- Myponga
- Mount Compass
- Seaford
- Moana
- Willunga
- Christies Beach
- Hallett Cove
- Port Willunga
- Sellicks Hill
- McLaren Vale
- Seaford Rise
- Seaford Heights
- Seaford Meadows
- Port Noarlunga
- Port Noarlunga South
- Old Noarlunga
- Maslin Beach
- Morphett Vale
- Woodcroft
- Hackham
- Hackham West
- Aldinga
- Aldinga Beach
- Sellicks Beach
- Myponga
- Mount Compass
- Seaford
- Moana
- Willunga
- Port Noarlunga
- Port Noarlunga South
- Old Noarlunga
- Maslin Beach
- Christies Beach
- Hallett Cove
- Port Willunga
- Sellicks Hill
- McLaren Vale
- Seaford Rise
- Seaford Heights
- Seaford Meadows
- Morphett Vale
- Woodcroft
- Hackham
- Hackham West
