How DHOAS Works

The DHOAS Scheme has been developed to recognise and reward the loyalty of ADF members.

The aim of the Scheme is to assist ADF members to buy their own home and to provide relief for existing home owners.  It will also help members who separate from the ADF to re-settle into the civilian community through home ownership.

The Scheme Administrator, Department of Veterans’ Affairs, determines eligibility and entitlement.  Subsidy amount, subsidised loan limit and length of time the subsidy is paid depends on service.

Contact the Defence Home Ownership Assistance Scheme Administrator on 1300 4 DHOAS or visit www.dhoas.gov.au to download the relevant Subsidy Certificate Form now.

Who is Eligible for the Subsidy?

Generally, any member who entered the permanent ADF prior to 1 July 2004 and the Reserves prior to 1 July 2000, and has provided consecutive, effective service up to 1 July 2008, will be eligible.

How is the Subsidy Calculated?

The following table provide a quick reference to the amount of subsidy members can expect to receive based on years of service:

Minimum Service  - Permanent Minimum Service – Reservists Subsidy Tier Subsidised Loan Limit* Maximum Subsidy Per Month*
4 years 8 years Tier 1 $187,159 Up to $333
8 years 12 years Tier 2 $280,738 Up to $499
12 years 16 years Tier 3 $374,318 Up to $666
* Values are correct as at 21 October 2008. The monthly subsidy values will change from month-to-month in line with median interest rate changes. The subsidised loan limits are reviewed annually.
* Eligible members will receive the maximum subsidy payment if their home loan balance is equal to or greater than the subsidised loan limit at the time they apply for DHOAS.
*Source www.dhoas.gov.au

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