Australian Government - Department of Defence - Department of Veteran's Affairs
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  • Step 1
    Learn about DHOAS
    • Steps to DHOAS benefits
    • Legislative framework
    • DHOAS presentation and fact sheets
    • Fringe Benefits Tax
    • Our quality service
    • Previous schemes DHOS and DSH
    • Defence Service Homes Insurance (DSHI) benefit
    • Defence Signals and Defgrams about DHOAS
  • Step 2
    Qualify and accrue credit
    • Steps to DHOAS eligibility
    • Qualifying period
    • Service credit
    • Service milestones and subsidy tier levels
    • Separation, medical/death, surviving partners
    • Breaks in service/Rejoining ADF
    • Important information - Reserve service
    • Exemption from effective service
  • Step 3
    Apply for certificate
    • Completing the form
    • Service records
    • Subsidy certificates
    • Reapplying and reassesments
  • Step 4
    Take out a DHOAS loan
    • Home Loan Providers
    • Construction loans
    • Multiparty loans, eligible partners
    • Conditions of DHOAS home loan
    • Meeting your mortgage obligations
    • Switching trom DHOS/DSH home loan to a DHOAS loan
    • Home buyers help
  • Step 5
    Meet conditions
    • Complete Subsidy Authorisation Request Form
    • Conditions of receiving subsidy
    • Obligation to meet conditions
    • Policing conditions
  • Step 6
    Calculate subsidy
    • Steps to calculate subsidy
    • Your eligible subsidy tier
    • Subsidised loan limits
    • DHOAS home loan balance and subsidy
    • Formula for calculating subsidy
    • Lump sum
    • Changes to tier level and subsidy payments
    • Defence Home Owner Scheme $80,000 limit
    • Interest rates and subsidy values
    • Subsidy tier tables
  • Step 7
    Start payments
    • Avoid paying back subsidy
    • Loan closure and final subsidy payment
    • End of service credit and subsidy payments
    • Restarting payments
  • Step 8
    Advise of changes
    • Changes to be reported
    • Subsidy ceasing events

  • Steps to DHOAS subsidy
  • Apply for DHOAS
  • Subsidy amount calculator
  • Authorise subsidy to start
  • Insurance benefit - DSHIS 

  • Eligibility and entitlement

  • Qualifying and service credit
  • Warlike service
  • Reserve/combined service
  • Continuous Full-Time Service
  • Previous subsidy schemes
  • Breaks in service/Rejoining ADF
  • Separation and medical/death

  • Receiving subsidy and conditions

  • Use of subsidy certificates  
  • Construction loans
  • Multiparty loans/eligible partners
  • Lump sum
  • Scheme conditions
  • Reapplying and reassessments 
  • Change of circumstances

  • Our Quality Service

  • Certified System

Contact Information

Email: dhoas@dva.gov.au

Phone: 1300 4 DHOAS (1300 434 627)

Overseas callers: +61 7 3815 9450

Fax: +61 7 3815 9430

Post: GPO Box 9998, Brisbane QLD 4001

8.30am - 4.00pm | Monday - Friday