Defence Home Ownership Assistance Scheme

Peninsula on the Bay, 435 Nepean Highway, Frankston VIC 3199

Veteran Capital
Peninsula on the Bay
435 Nepean Highway, Frankston VIC 3199

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Specialist financial advice for the Defence community

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.

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Home ownership for Defence members

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

  1. 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.
  2. Check your eligibility through the DHOAS portal using your ADF service details.
  3. Apply for a subsidy certificate which outlines your entitlement.
  4. Submit your loan application with the assistance of our professionals for a seamless experience.
  5. 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.

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Funded Advice

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 →
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Our process

A clear path from first conversation to ongoing care

1

Discovery Call

A complimentary 15-minute conversation, by phone or online.

2

Questionnaire & Scoping Meeting

Complete our secure fact find, then meet in person or online to agree the scope of advice.

3

Engagement Agreement

Scope and fees agreed in writing before any work begins.

4

Research & Analysis

Modelling your options against your goals.

5

Statement Of Advice

Your recommendations, presented and explained.

6

Implementation & Ongoing care

We put the plan in place and review it with you.

Insights

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 guide

Special 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 guide
Client reviews

What veterans and their families say

5.017 Google reviews

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.

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    Visit us

    Our Frankston office

    Meetings in person by appointment, or online from anywhere in Australia.