Defence Home Ownership Assistance Scheme
Expert guidance on DVA and CSC entitlements, transition from Defence, superannuation, insurance and retirement – from a Navy veteran who has walked the same path as you.

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
1. Who is eligible for DHOAS?
Current and former ADF members with a minimum qualifying period of service.
2. What does the subsidy cover?
It provides a monthly interest subsidy on your DHOAS-approved home loan.
3. Can I use DHOAS for investment properties?
No, the property must initially be purchased as your principal place of residence.
4. How long can I receive the subsidy?
Subsidy periods vary depending on your service length.
5. Do reservists qualify?
Yes, depending on your active service time and eligibility criteria.
6. 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.
Call 0460 003 557
Received A Permanent Impairment Or SRDP Offer?
Eligible veterans may have the cost of financial advice on their DVA offer funded directly by DVA – meaning no out-of-pocket expense to you. We handle the paperwork and invoice DVA directly.
Permanent Impairment Guide → SRDP Guide →Transitioning Out Of The ADF?
Eligible members may be able to access funding towards financial advice through the Defence Force Transition Program – speak with your transition coach about the approval process.
Leaving the ADF Guide →A clear path from first conversation to ongoing care
Discovery Call
A complimentary 15-minute conversation, by phone or online.
Questionnaire & Scoping Meeting
Complete our secure fact find, then meet in person or online to agree the scope of advice.
Engagement Agreement
Scope and fees agreed in writing before any work begins.
Research & Analysis
Modelling your options against your goals.
Statement Of Advice
Your recommendations, presented and explained.
Implementation & Ongoing care
We put the plan in place and review it with you.
Advice We Specialise in
Holistic, personal advice across the unique benefits and entitlements of Defence service – and everything that comes after.
DVA Entitlements
Permanent Impairment, SRDP and Incapacity Payments – modelled and explained.
CSC Funds
MSBS, DFRDB, ADF Super and PSSap – invalidity, preservation and pension decisions.
ADF Transition Advice
A clear financial plan for discharge and the first years of civilian life.
Superannuation & SMSFs
Contribution strategies, consolidation and structures that suit your goals.
Retirement Planning
Income streams, Age Pension interaction and long-term projections.
Investments
Inside and outside super – disciplined, evidence-based portfolios.
Insurances
Life, TPD, Critical Illness and Income Protection – the right cover, structured well.
Estate Planning
Beneficiary nominations, structures and working alongside your solicitor.
Debt Management
Mortgage and lending strategy that supports, rather than strains, your plan.
Intergenerational Wealth
Passing wealth on well – structures, super death benefits and setting the next generation up to start strong.
Business Advice
Financial advice for veteran business owners – structures, super and insurance for owners, and succession planning.
Salary Packaging
Salary sacrifice, novated and associate leasing, and employer benefits – structured to make the most of every dollar you earn.
The Monthly Brief
Our plain-language monthly newsletter for the Defence community – covering markets and the economy, super and tax changes, DVA and CSC updates, and practical tips for life after service. Each edition is sent exclusively to our mailing list – subscribe to receive it.
Your Permanent Impairment offer explained
What your PI offer means, how the weekly and lump sum options compare, and the six-month deadline to be aware of.
Read the guideSpecial Rate Disability Pension (SRDP) explained
How SRDP works, how it compares with Incapacity Payments, and the 12-month window to make your choice.
Read the guideMy wife and I had our first video consultation appointment with Vic Kortlang from Veteran Capital, and he exceeded our expectations. As a medically separated ADF veteran navigating a complex PI claim, I deeply appreciated his depth of knowledge and his ability to break things down clearly. He walked us through important entitlements, including the Gold Card, with patience and respect, making sure we both understood every step.
His own defence background made the conversation feel natural from the get-go — there was no need to over-explain context, and the advice felt grounded in real understanding rather than just textbook knowledge. He listened closely and gave practical guidance that left us feeling genuinely supported.
What’s stood out most is that the support didn’t end with that first appointment. Vic has reached out multiple times since, checking in on how I was tracking and offering a hand wherever needed. That level of ongoing care is rare to find.
For any veteran navigating transition or claims, Vic comes highly recommended. Professional, empathetic, and clearly experienced.
Thank you, Vic.
My family and I were extremely overwhelmed when I was confronted with a Medical separation from the Army.
Veteran Capital came highly recommended by a friend of mine who has been on a similar journey. From the get go Victor was approachable, relatable and highly knowledgeable about all of the DVA and Defence benefits and entitlements that are available to us. He clearly explained how it all ties in with the civvy stuff and was able to dumb down complex concepts for me to understand!
Victor helped our family make sense of this whole situation and worked with us to create a solid step by step financial plan which has made a world of difference for our family. We are feeling confident and in control of our financial situation with a clear plan in place moving forward. We look forward to continue having Vic and his team in our corner as we move onto bigger and better things!
Highly recommend Vic and his team at Veteran Capital.
I was recommended to Veteran Capital and to be honest, I wasn’t keen to talk with a financial advisor. I expected to leave the meeting more confused than I already was about DVA. The DVA process has been almost 4 years for me and the entire process was frustrating, and like I said, it was very confusing. During my meeting with Victor I couldn’t believe how everything was broken down and explained to me. Suddenly everything made sense. I understood what my outcome from DVA meant and what I needed to do moving forward. I am very glad that I was recommended to see Veteran Capital and now I will be recommending Veteran Capital to others.
Had an amazing experience with Vic. Being a veteran, it was great to feel supported by someone that gets it and knows the Defence, CSC etc policy inside out.
My wife and I had our first appointment with Vik, and we were genuinely impressed. He was extremely personable, easy to talk to, and took the time to really understand our situation.
Vik provided tailored advice across a few areas we needed help with—DVA-related affairs, family trust considerations, and estate planning. What stood out most was how clearly he explained everything. As someone who hasn’t had much appreciation or background in wealth management, I really valued the way he broke down complex concepts into something I could understand and feel confident about.
We left the meeting with clarity, direction, and trust that we’re in good hands. Highly recommended so far, and we’re looking forward to working with him further.
I had a very positive experience meeting with Victor at Veteran Capital today. He was generous with his time, highly knowledgeable, and genuinely focused on understanding my goals. Victor has a strong understanding of Veteran Super, including MSBS, and clearly explained the options available to me.
I would highly recommend Victor to any Veteran seeking financial advice — whether you’ve received a compensation pay out, are planning for retirement, or looking to invest for your future. As a Veteran himself, Victor truly understands the unique financial considerations we face and provides practical, tailored advice.
Victor provided exceptional financial advice regarding my DVA benefits and entitlements. His deep understanding of DVA processes and attention to detail helped me navigate complex options effortlessly. Victor’s clear explanations and personalised recommendations empowered me to make informed decisions about my benefits and financial future. His dedication and professionalism were evident throughout, making the entire experience efficient and stress-free. I am grateful for his support and would highly recommend Victor to any veteran seeking comprehensive and trustworthy financial advice. His expertise had truly made a difference to our family.
Fantastic experience, has a wealth of knowledge in the veteran space to pass on when it comes to how to best use and apply financial strategies for your individual situation
Had our first meeting with Vic a few weeks ago and his knowledge in regards financial matters within this unique sphere was second to none. I have no hesitations in recommending Vic to anyone who like myself was completely lost in what options or possibilities are out there.
Vic also follows up on all the people he helps and so its not just a meeting and youre on your own. He continues to help
Do yourself a favour, if youre unsure about pensions, payouts or possibilities then reach out to Vic and his team
I highly recommend booking an appointment with Victor if you are looking for some financial advise. Victor supported me through a very stressful part of my discharge concerning financial matters and made me aware of what my options were. As a veteran himself he understands the process and is more than happy to support you through it.
I recently had a consultation with Victor regarding my personal financial circumstances. Victor provided very valuable financial advice regarding DVA benefits and entitlements. He has excellent knowledge of the DVA system and tailored his advice so that my family and I knew what support and services DVA could provide both currently and moving into the future.
Working with Victor has been one of the best financial decisions we’ve ever made. From our very first meeting, he took the time to understand our goals, explain our options clearly, and create a financial plan that was tailored to our needs. His professionalism, knowledge, and genuine commitment to our success gave us complete confidence throughout the entire process.
Vic made what initially felt like a complicated and overwhelming journey simple and manageable. He was always available to answer our questions, no matter how small, and consistently provided honest, practical advice that put our long-term interests first. We never felt pressured—instead, we felt supported and empowered to make informed decisions.
Thanks to Vic’s guidance, we now have a clear financial strategy and the peace of mind that comes from knowing our family’s future is secure. His attention to detail, proactive approach, and ability to explain complex financial concepts in an easy-to-understand way truly set him apart.
We are incredibly grateful for everything Victor has done for us and would highly recommend him to anyone looking for a trustworthy, knowledgeable, and dedicated financial adviser. He genuinely cares about his clients and goes above and beyond to help them achieve lasting financial security.
Seen Vic twice now and he’s been stellar both times. He’s genuine, easy to talk to and most importantly, knows what he’s talking about. Couldn’t recommend Veteran Capital higher.
Great experience with Veteran Capital, Vic was great to work with and knows the in’s and out’s of DVA, very helpful!
Great bloke, who understands the challenges faced by Veterans and, more importantly, their families. Cannot recommend more highly!
Very helpful and informative, Victor was able to answer our questions and clarify a lot for us. Thanks again!
Let’s talk about your next chapter
Book a complimentary 15-minute discovery call – pick a time below.
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Prefer to call or write?
Call us on 0460 003 557, or send a message and we’ll be in touch – then meet in person or online.
Our Frankston office
- Peninsula on the Bay, Ground Floor
435 Nepean Hwy, Frankston VIC 3199 - 0460 003 557
- contact@veterancapital.com.au
Meetings in person by appointment, or online from anywhere in Australia.
