DHOAS is a home ownership scheme, specifically designed to encourage Defence members to buy their own properties by subsidising their monthly mortgage payments – but how much DHOAS are you actually entitled to?

How does DHOAS work?

The Defence Home Ownership Assistance Scheme was designed to achieve two aims within the ADF; help you and your family achieve homeownership, and to improve recruitment/retention. Fortunately for many of you, this means that you are able to service your loan easier. 

How is this so? 

Basically, a DHOAS loan subsidises your home loan, for an amount and period of time-based on how long you serve. As of 2022, it contributes a monthly amount to your loan. Not bad for just being an eligible ADF member, right? 

The amount you are entitled to receive varies, based on a three-tier system – as seen in the table below and very importantly, you can apply for your final DHOAS certificate up to 5 years after discharge (keep that in mind for later…)

How much you’re entitled to is calculated as a percentage on the The Australian Average House Price (AHP) and split into three subsidy tiers based on service length: 

  • Tier 1 is 40% of the AHP
  • Tier 2 is 60% of the AHP
  • Tier 3 is 80% of the AHP – maximum benefit!

As at 1 July 2022, the AHP is $777,343 – meaning it contributes a monthly amount between $187 and $375 to your loan. 

How do you know what DHOAS subsidy tier you're in?

Basically, the longer you’ve been serving with the ADF, the higher the maximum subsidy on offer is. Property Coach Robbie runs through the most relevant and up to date information regarding the subsidy and the tiers: 

To get a rough estimate of the monthly DHOAS subsidy payments you could be eligible to receive, head to the Subsidy Calculator and: 

  1. Enter your DHOAS home loan balance, on your tier level’s subsidised loan limit 
  2. Enter 3.46 as the interest rate – (please note: this is the current June 2021 rate used to calculate DHOAS subsidy payments, DVA reviews the median rate each month) 

*Please note: this calculator is only to be used as an estimate on the subsidy payment, the actual amount you will receive is based on a given loan amount and interest rate. 

Defence Home Ownership Assistance Scheme (DHOAS)

Subsidy Tiers for 2021-22

Subsidy TierMinimum Permanent ServiceMinimum Reserve ServiceSubsidised Loan AmountMax. Monthly Subsidy*
14 Years8 Years$310,2937Up to $187
28 Years12 Years$466,406Up to $281
312 Years16 Years$621,874Up to $375

*As of 1 July 2021, the AHP is $777,343 This figure is used to determine the 2021-22 subsidy tier values. *Estimated monthly subsidy values based on the July 2021 median interest rate. These monthly subsidy values fluctuate based on changes in the median interest rate.

How to use your DHOAS?

Understanding what they are is just one piece of the puzzle. Understanding how to use them, with special focus on when and where you use them, is key to using them successfully. There are some restrictions, and some tips that you definitely need to know before you pull the trigger.

Have you watched our ADF Training yet? Property Coach Robbie Turner shows viewers case studies on exactly what happens when you get it wrong, and how and when to use them to get it right.

Complete Our Free ADF Training!


In this FREE training you are going to find out:

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