What Is HPAS?

What is the Home Purchase Assistance Scheme and How Can I Use it to Purchase a Property?

Of all the current ADF Housing Entitlements, HPAS is by far the one we get asked about the most. 

How Does HPAS work?

Coach Talk Property Coach Dane & Property Specialist/ADF Entitlements Expert Dave break down in detail the most up to date information and numbers around the Home Purchase Assistance Scheme (HPAS). 

HPAS is used to purchase your own home in your current or new posting location. HPAS gets paid into your bank account as a lump sum of $16,949 (before tax). You can even submit your application for HPAS as soon as you have either signed a contract to buy a house or signed a contract to build a house.

To be eligible to receive an HPAS payment, you must meet the following criteria:

  1. You must not have received HPAS before; it is payable only once in your entire period of service.
  2. You must purchase a home in your current (or new) posting location.
  3. On the day that you sign contracts, it is expected that you will serve in the location for 12 months after the purchase. Also, this means that you will have to live in the house for the remainder of your posting tenure to that location.
  4. If you are MWD(U), you need to remain in that categorisation for the next 12 months.

The best part? You are eligible to receive this lump sum payment BEFORE you need to pay your deposit as you are considered to have purchased a home when you have signed either the contract to purchase or the agreement for it to be built. 

Related: Can I Use HPAS & HPSEA at the Same Time?

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This information is not to be taken as legal or financial advice, please see the disclaimer page for full information.