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 served on or after 1 July 2008 and completed a qualifying period of service (minimum of 2 years of consecutive Permanent ADF service or a minimum of 4 years of effective Reserve service of at least 20 paid days per financial year). You must have completed enough effective service to accrue 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 $523
2	4 years	8 years	$547,373	Up to $784
3	8 years	12 years	$729,831	Up to $1,046

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