Success Story
There is a regular saying in the Axon office, “The tail doesn’t wag the dog!” For us that means that your ADF Housing Entitlements (HPAS and DHOAS) aren’t the strategy drivers, rather they are just the supporting element that needs to be synchronised to deliver the maximum effect.
Take the subject of today’s success story as an example… at the time of introduction to Axon he was a 25yo Telecommunications Technician based in SE-QLD.
He’d been saving very diligently (supported by deployments) for a few years now and was in a very strong position to get started buying his own home. Given his location, he was a perfect example of how to use some of his entitlements to best effect.
*Note: There is no DHOAS used here. Why?
Because at the time our plan told us that we needed the full panel of lenders that a mortgage broker can provide, not be restricted to one or two DHOAS provider options only. Remember that we were all still learning to deal with Covid-19 lockdowns when this was all happening, so flexibility was a necessity!
This client has now made a successful transition out of the ADF (CONGRATULATIONS!!) so they have 5 years from their discharge date to transfer across to a DHOAS loan. This refinance will all be facilitated by the Axon team or he will soon be able to use the equity in this property to go and buy property #2.
What do you think his next move will be – stay in this home and invest, or turn this into an investment property and move onto his next PPOR?
Clearance rates, cash rate moves and population figures are the foundation of any sound property decision. What they can’t show you is how thousands of other buyers will react to the same information next quarter. That gap is where investor mindset does its work, and it’s the reason two people can read identical data and reach opposite conclusions. Here’s how to use both.
Ask a room full of ADF members why they haven’t invested yet and you’ll hear the same answer more than any other: not enough money. It’s an honest answer, and more often than people expect, an unverified one. The gap between where you are and where you need to be is a calculation, not a feeling. Here’s how to find the real number, and what to do with the waiting period once you have it.
Next year kept becoming the year you’d finally start investing, and now you’re in your forties wondering if the window has closed. It hasn’t. Here’s what actually needs to change, and why it’s the plan, not your age.
An underperforming investment property feels like a disaster, but it rarely is one. Here’s how to work out whether it’s the asset, the timing or the strategy, and what actually needs to happen next.
We explain the rules that apply for DHOAS after leaving the ADF, what your final certificate means, and decisions to make before discharge.
What happens if your DHOAS subsidy certificate expires? Learn your options, reapplication rules, expiry dates and how to avoid losing your entitlement.
