Empowering Veterans to confidently secure their financial future

Bespoke Financial Advice and Services for Veterans provided by Veterans
VETERAN CAPITAL

Financial outcomes for Veterans.

Empowering Veterans and their families achieve optimal financial outcomes.

Error: Contact form not found.

Empowering Veterans to confidently secure their financial future

Bespoke Financial Advice and Services for Veterans provided by Veterans

HPAS Sorrento

The Home Purchase Assistance Scheme (HPAS) is a valuable benefit for eligible Australian Defence Force (ADF) members, designed to help with the upfront costs of buying or building your first home. At Veteran Capital, we provide tailored guidance to help you understand how HPAS works, its financial implications, and how it fits into your broader property and financial planning. Our goal is to make the process simple, clear, and stress-free, so you can confidently leverage this benefit to secure your first home.

Why Choose Us for HPAS Sorrento

Navigating HPAS can be confusing without the right support. Veteran Capital offers practical, veteran-focused guidance to help you maximise this benefit. We provide clear explanations, personalised planning, and actionable strategies to ensure your HPAS funds are used effectively. Our team understands Defence-specific programs, tax implications, and property planning, giving you confidence that your financial decisions are informed and aligned with your long-term goals.

Our HPAS Sorrento Services

We offer comprehensive support around HPAS for ADF members, including:

  • Eligibility Assessment – Determine if you qualify for HPAS based on your posting and service history. 
  • Financial Planning Integration – Understand how the lump sum fits with your overall financial and property strategy. 
  • Document Guidance – Assistance with organising and submitting the necessary paperwork accurately. 
  • Tax & Take-Home Advice – Clarify the taxable implications and expected net benefit. 

Each service is personalised to ensure your HPAS experience is smooth, transparent, and aligned with your homeownership goals.

HPAS Sorrento: How It Works

  1. Initial Consultation – Review your posting, eligibility, and homeownership objectives. 
  2. Plan Development – Create a clear strategy to incorporate HPAS into your first-home purchase plan. 
  3. Application Support – Assist in preparing and submitting documentation accurately. 
  4. Follow-Up Guidance – Ensure your HPAS benefit is managed effectively and integrates with your long-term financial planning. 

Benefits of Working with Us

Veteran Capital provides down-to-earth, personalised support. Working with us ensures your HPAS is maximised, your paperwork is in order, and your property goals are achievable. We focus on clarity, confidence, and long-term financial stability for veterans navigating the homebuying process.

FAQs About HPAS Sorrento

  1. Do you provide financial advice? Yes, we offer personalised planning to help you achieve your goals.
    2. How does HPAS fit into my broader planning? We help you understand the bigger picture and property strategies.
    3. Can you help organise documents? Yes, we structure your paperwork for clarity and compliance.
    4. Is the HPAS payment taxed? Yes, it is treated as taxable income; we provide guidance on net benefits.
    5. Is everything confidential? Absolutely—your privacy is fully protected.

Get Started with HPAS Sorrento Today

Gain clarity, confidence, and structured support around your HPAS benefit with Veteran Capital. Call 0460 003 557 today to start your personalised coaching journey.

About Us

Let us empower you and your family to confidently make impactful financial decisions

Veteran Capital is a Veteran Owned and Operated business was established to help Veterans and their families achieve financial security through education, awareness, and tailored advice.

We work with you and your family to help you understand and navigate the complexities of the various unique benefits and entitlements made available to our community.

We specialise in all aspects of Military Benefits and Entitlements ranging from Military Superannuation Schemes (ADF Super, MSBS and DFRDB), Department of Veterans Affairs (PI, SRDP and DHOAS), ADF Conditions of Service (HPAS, HPSEA, Salary Packaging) and Holistic Financial Advice (Investments, Superannuation, Retirement Planning, Insurances and Estate Planning).

We have firsthand experience navigating the unique and complex financial ecosystem that Veterans and their families are confronted with during and after their service.

You can trust the team at Veteran Capital to have your six at every step of your financial journey.
About Us

Let us empower you and your family to confidently make impactful financial decisions

Veteran Capital is a Veteran Owned and Operated business was established to help Veterans and their families achieve financial security through education, awareness, and tailored advice.

We work with you and your family to help you understand and navigate the complexities of the various unique benefits and entitlements made available to our community.

We specialise in all aspects of Military Benefits and Entitlements ranging from Military Superannuation Schemes (ADF Super, MSBS and DFRDB), Department of Veterans Affairs (PI, SRDP and DHOAS), ADF Conditions of Service (HPAS, HPSEA, Salary Packaging) and Holistic Financial Advice (Investments, Superannuation, Retirement Planning, Insurances and Estate Planning).

We have firsthand experience navigating the unique and complex financial ecosystem that Veterans and their families are confronted with during and after their service.

You can trust the team at Veteran Capital to have your six at every step of your financial journey.
Our Services

Supporting Veterans and their families with expert, tailored financial advice.

At Veteran Capital, our services are designed to simplify the complex financial world for Veterans and their families. From military superannuation schemes to DVA benefits, we provide tailored guidance every step of the way. Our goal is to ensure clarity, confidence, and long-term financial security. Explore our specialised services below to see how we can support your journey.
  • TRANSITION ADVICE
  • DVA PERMANENT IMPAIRMENT
  • DVA SPECIAL RATE DISABILITY PENSION
  • HOLISTIC FINANCIAL ADVICE
VETERANS TRUST

Why Choose Us?

Advice built on trust, experience, and understanding.
Veteran-Owned & Operated
We understand your journey because we’ve lived it ourselves.
Specialised in Military Super
Expertise across DFRDB, MSBS, and ADF Super schemes.
DVA Benefits Knowledge
Clear guidance through complex entitlements and claims.
Holistic Financial Advice
Tailored strategies that cover every aspect of your financial life.
Trusted by Veterans & Families
A proven track record of delivering real results.
Commitment to Your Future
Dedicated to securing financial stability and peace of mind.
Veteran-Owned & Operated
We understand your journey because we’ve lived it ourselves.
Specialised in Military Super
Expertise across DFRDB, MSBS, and ADF Super schemes.
DVA Benefits Knowledge
Clear guidance through complex entitlements and claims.
Holistic Financial Advice
Tailored strategies that cover every aspect of your financial life.
Trusted by Veterans & Families
A proven track record of delivering real results.
Commitment to Your Future
Dedicated to securing financial stability and peace of mind.

Take Control of Your Financial Future

Speak with our team of experienced advisors who understand the unique needs of Veterans and their families. Together, we’ll build a plan to secure your financial confidence and peace of mind.
Call Any Time
Questions

Frequently Asked Questions

1
What is the difference between DFRDB, MSBS, and ADF Super?
What is the difference between DFRDB, MSBS, and ADF Super? DFRDB is a defined benefit scheme closed to new entrants since 1991, MSBS is a hybrid scheme (part defined benefit, part accumulation) closed since 2016, and ADF Super is a fully accumulation-based fund for those who joined after 1 July 2016.
2
How do I know which military super scheme I belong to?
It depends on when you joined the ADF (or changed from reservist status) and whether you've had breaks in service. Defence’s Superannuation & Pay & Conditions department can help you determine your scheme.
3
What entitlements am I eligible for under the Department of Veterans’ Affairs (DVA)?
Entitlements may include service pensions, disability or incapacity payments, medical care and allied health cover, rehabilitation programs, and special payments depending on your service history and specific circumstances. Veteran Capital can guide you through what you may be eligible for. (Internal reference)
4
Can I combine or transfer benefits from one scheme to another?
Some sections (like accumulation components) of certain schemes may be portable or transferable; however, defined benefit components usually are not transferable. Each situation is different, so we review your service history to see what’s possible.
5
How does leaving the ADF affect my financial and superannuation position?
Transitioning out of the ADF often triggers key decisions: what to do with your existing super scheme, whether to commute any pension, how to maximise benefits, how DVA entitlements kick in, and how your financial plan needs to adapt for civilian income. We provide support to plan this well in advance.
6
What fees or costs are involved when working with Veteran Capital for advice on my super or entitlements?
We aim to be transparent: any fees for advice are disclosed up-front. Depending on what services you need (super review, entitlement claims, investment advice etc.), there may be different structures (flat fee, percentage of assets, or hourly rate). We’ll provide you a clear quote before any work begins. (Internal reference).
Call Any Time
OUR BLOGS

News And Updates

Reviews

Happy Customer Thoughts

REACH US

Enquire Now

Want to get in touch? we'd love to hear from you.here's how you can reach us