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

Welcome to DHOAS

The Defence Home Ownership Assistance Scheme (DHOAS) assists current and former Australian Defence Force (ADF) members and their families to achieve home ownership. DHOAS is administered by the Department of Veterans' Affairs on behalf of the Department of Defence.

The Scheme is aimed at improving ADF recruitment and retention. The longer you serve in the ADF, the more entitlement you accrue under DHOAS and the longer you can receive assistance.

To be eligible, you must have completed a minimum qualifying period of effective service and accrued a service credit. 

You will need to take out a DHOAS home loan and meet the Scheme conditions, including occupancy requirements, to receive the monthly subsidy payments. 

Subsidy tiers for 2023-24

Subsidy tier Minimum Permanent service Minimum Reserve service Subsidised loan amount Maximum monthly subsidy*
1 2 years 4 years $364,916 Up to $510
2 4 years 8 years $547,373 Up to $765
3 8 years 12 years $729,831 Up to $1,020

*Estimated monthly subsidy values based on the September 2023 median interest rate. These monthly subsidy values fluctuate based on changes in the median interest rate.