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.