Own a home of your own with DHOAS


The Defence Home Ownership Assistance Scheme (DHOAS) assists current and former Australian Defence Force members and their families to achieve home ownership.

Defence appointed the Department of Veterans’ Affairs (DVA) as the DHOAS Administrator. You can apply to DVA for a Subsidy Certificate, to confirm eligibility for DHOAS.

The subsidy certificate is then provided to one of the three Home Loan Providers appointed by Defence to provide DHOAS home loans. They are:

Australian Military Bank
Defence Bank Limited (Defence Bank)
National Australia Bank (NAB) .

The Scheme aims to encourage ADF recruitment and retention. The longer the period of service, the more entitlement that will be accrued under DHOAS and the longer the assistance is received.

To be eligible, ADF members must have served within the last two years of applying for DHOAS, completed a qualifying period of service and accrued a Service credit.

Applicants need to take out a DHOAS home loan and meet the Scheme conditions, including occupancy requirements, to receive the monthly subsidy payments. For more information, including calculating subsidy payments go to: www.dhoas.gov.au/


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