Our Property Coaches break down all the changes that have been announced to the DHOAS Scheme

Some big changes have just been announced to one of the most important ADF Housing Entitlements: DHOAS.

Luckily this is right in our coaches wheelhouse and we have all the facts and figures to break down for you right now on #coachtalk.

The Australian Government has announced a $46.2 million expansion of the Defence Home Ownership Assistance Scheme, aiming to improve access to home ownership for eligible defence personnel earlier in their careers.

The changes will allow veterans who served on or after 1 July 2008 to access the scheme at any stage after they have left the service.

From 1 January 2023, the eligibility criteria for the scheme for each subsidy tier will be expanded by:

New DHOAS Subsidy Tiers

From 1 January 2023, the changes will also reduce the qualifying period and the minimum thresholds for each DHOAS subsidy tier, according to the following schedule

Subsidy Tier Original Rules New Rules
Minimum Permanent Service
Minimum Reserve Service
Minimum Permanent Service
Minimum Reserve Service
4 years
8 years
2 years
4 years
8 years
12 years
4 years
8 years
12 years
16 years
8 years
12 years

All the other eligibility rules and conditions remains unchanged. 

When will this take effect?

According to DVA, the new minimum thresholds for the subsidy tier levels will take effect for payments with a February 2023 authorisation date. Any subsidy payment or back-payment authorised before this date will be calculated under the previous thresholds. It is important to note that not everyone’s payments will be immediately recalculated under the new rules.

If you are currently in payment on tier 1, 2 or 3, DVA will have your DHOAS entitlements progressively reassessed over a period of several months. If you are eligible for a higher tier level or additional service credits, DVA says that you will be notified via email once your DHOAS entitlements have been reassessed under the new rules. 

It is important to note that If you were previously NOT eligible for a DHOAS subsidy certificate as you applied outside the 5 year final certificate deadline, you can submit a new application to be assessed under the new rules.

Case Studies

A current serving ADF member with two years’ of effective service would now have completed their qualifying service period to access DHOAS. With a mortgage of $500,000 they would be able to access a monthly subsidy payment of $422*.

A veteran who had separated from the ADF seven years ago, after completing 20 years of effective service, would have previously been unable to access DHOAS due to the post-separation timeframe. If they have a mortgage of $850,000 they would now be eligible to apply and access a monthly subsidy payment of $845*.

*These examples assume all eligibility criteria is met, and are calculated using the October 2022 median interest rate of 5.49%


Media Release 24 November 2022 – Boosting home ownership for our ADF members and veterans by the Defence Minister


Department of Veterans’ Affairs Fact Sheet


Picture of By Dave Simpson

By Dave Simpson

Property Specialist Manager at Axon Property Group

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