September 18, 2025
The Department of Veterans’ Affairs provides a wide range of benefits, from pensions and disability support to medical care and rehabilitation services.
- Peninsula on the Bay, 435 Nepean Highway, Frankston, VIC 3199
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.
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Empowering Veterans to confidently secure their financial future
Bespoke Financial Advice and Services for Veterans provided by Veterans
Defence Home Ownership Assistance Scheme
At Veteran Capital, we’re proud to help current and former Australian Defence Force (ADF) members achieve the dream of home ownership. The Defence Home Ownership Assistance Scheme (DHOAS) is a unique scheme to military members, which provides a subsidy for the interest repayments associated with a DHOAS home loan, making it easier for you and your family to buy or build your own home. Whether you’re an active ADF member, a veteran, or transitioning out of service, our team is here to simplify the process and help maximise your benefits.
Why Choose Us for Defence Home Ownership Assistance Scheme
Navigating the Defence Home Ownership Assistance Scheme can be complex, but with Veteran Capital, you get expert guidance from professionals who understand both defence life and home finance. We take pride in offering:
- Personalised loan advice tailored to your service history and entitlements
- Access to major lenders experienced in DHOAS home loans
- A simple, transparent process from start to finish
- Honest, veteran-focused support with your financial goals in mind
Our mission is to help those who’ve served Australia make the most of the financial benefits they’ve earned.
Our Defence Home Ownership Assistance Scheme Services
At Veteran Capital, we help you unlock your full DHOAS potential with:
- Eligibility checks and entitlement guidance – Find out how your service length affects your subsidy tier.
- Loan structure advice – Choose a loan that suits your lifestyle, goals and ongoing service plans.
- Transition support – For members leaving the ADF, we ensure your entitlements continue smoothly post-discharge.
Our expertise ensures every detail is managed so you can focus on your next chapter.
Defence Home Ownership Assistance Scheme – How It Works
- Connect with Veteran Capital to link in with a professional who can assist you with your DHOAS home loan application and obtaining pre-approval for lending.
- Check your eligibility through the DHOAS portal using your ADF service details.
- Apply for a subsidy certificate which outlines your entitlement.
- Submit your loan application with the assistance of our professionals for a seamless experience.
- Receive your subsidy directly towards your home loan interest payments each month.
We make every step clear and stress-free so you can secure your home with confidence.
Benefits of Working with Us
- Veteran-owned and operated – we understand your service journey
- Access to exclusive DHOAS-friendly lenders
- Competitive rates and ongoing loan support
- Simplified process with expert financial guidance
- Proven record of helping Defence families own their homes faster.
FAQs About Defence Home Ownership Assistance Scheme
- Who is eligible for DHOAS?
Current and former ADF members with a minimum qualifying period of service. - What does the subsidy cover?
It provides a monthly interest subsidy on your DHOAS-approved home loan. - Can I use DHOAS for investment properties?
No, the property must initially be purchased as your principal place of residence. - How long can I receive the subsidy?
Subsidy periods vary depending on your service length. - Do reservists qualify?
Yes, depending on your active service time and eligibility criteria. - Can you help me switch from another DHOAS lender?
Absolutely — we can help link you in with amazing lenders to assist you every step of the way.
Get Started with Defence Home Ownership Assistance Scheme Today
Ready to take advantage of your Defence Home Ownership Assistance Scheme entitlements? Let Veteran Capital help you secure the best loan and make your dream home a reality. Speak to our expert team today on 0460 003 557 or visit www.veterancapital.com.au to get started.
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.
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.
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.
VETERANS TRUST
Why Choose Us?
Advice built on trust, experience, and understanding.
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.
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News And Updates
September 18, 2025
The Department of Veterans’ Affairs provides a wide range of benefits, from pensions and disability support to medical care and rehabilitation services.
August 18, 2025
Leaving the Australian Defence Force is more than just a career change – it’s a complete lifestyle shift. Along with adjusting to civilian life,...
July 18, 2025
Navigating military superannuation can feel overwhelming, especially with three different schemes – DFRDB, MSBS, and ADF Super.
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