What is DHOAS?
The Scheme provides an incentive to members to stay in the ADF – the longer you serve, the more entitlements you accrue and the longer you can receive assistance.
How does DHOAS work?
There are three Home Loan Providers (HLP) appointed by the ADF to provide DHOAS home loans.
The portion of your home loan that will attract a DHOAS subsidy and the amount of your monthly subsidy payment, will depend on which of the three subsidy tiers you are eligible under, and how much you borrow up to your subsidised loan limit.
Note: There are many variables that might need to be considered in relation to your DHOAS entitlement, such as breaks in service, transferring between Reserves and Permanent Force, separation from the ADF, medical separation, lateral (foreign) service and eligible partners.
How do I qualify for DHOAS?
To be eligible to access DHOAS, you need to have served in the ADF within the last five years, completed a qualifying period of service (or in certain circumstances, foreign service) and accrued a Service Credit.
For Permanent members, the qualifying period is four consecutive years of service. For Reservists, it is eight consecutive years of “effective” Reserve service of at least 20 paid days per financial year. For all members, if you have a break in service you will need to start again. Continuous Full-time Service can fast-track Reservists’ qualifying period.
For Reservists, you accrue entitlement per financial year. You become entitled to one year of assistance after you complete at least 20 days of paid Reserve service within a financial year. This means you need to complete at least eight years of effective Reserve service and then another 20 days of paid service within a financial year before you can access DHOAS.
What is my Entitlement?
How long can I receive DHOAS?
You can receive DHOAS for as long as you have a Service Credit and a DHOAS home loan into which your subsidy can be paid, and you meet the conditions of the Scheme. You can accrue and access entitlement as long as you serve in the ADF. After you separate, you can also access any remaining entitlement you have not used.
How to apply for the Subsidy Certificate?
You need to attach your complete service records, specifically a long version of your ADO Service Record, to your application.
To apply, you can do it electronically via the website
Can I receive a Lump Sum Payment?
What are the Scheme Conditions?
Do I pay Fringe Benefits Tax?
FBT is reportable under the legislation for DHOAS. This means that Defence will pay a portion of the grossed up value of the benefit.
Reportable fringe benefits may be included in income tests for government benefits such as the Medicare levy, HECS, and child support obligations.
If you are unsure, please enquire with STRIKE and we will point you to a qualified professional.