Frequently Asked Questions

We get it – you have questions. And often we hear the same one’s over and over again. That’s why we have consolidated them all in the same place for you to get the answers that you are seeking out.  

Over the years that we have been helping our clients, they have continually found that “you don’t know what you don’t know.” That is – once you uncover one piece of information, it unveils another question.  This is perfectly normal when it comes to buying or managing a property portfolio (or indeed, just starting one). 

These FAQs are usually just the starting point, with deeper layers of information available at your finger tips – all you need to do is ask. 

Strike Property provides and enduring service to meet your portfolio and wealth creation needs. We are the one stop shop for all things property within the ADF community. We educate you on all your ADF housing entitlements, deliver your personalised strategic planning and tailor our service to identify the right property for you to maximise all your benefits.

We know that there are a lot of people you need along the way, so we will introduce you to the best in the business as part of your property team. Then our in-house project manager will take the lead and coordinate your entire project to ensure it is completely stress free for you. 

Buying a property is one of the biggest financial commitments most people ever make. That in mind, it makes sense that anyone undertaking such an investment should seek out professional services for advice and support. QPIA®’s are the leaders in genuine property investment advice. Many people might claim to be property investment advisers, so make sure you check the register held by the Property Investment Professionals of Australia before committing to your network.

Your QPIA® will provide you with a personalised, tailored plan that is built to meet your future wealth goals. They are an essential partner on your property journey and are bound by a strict Code of Conduct so you can take comfort knowing they have your interests at the fore, to deliver the optimal outcome.

This depends on the type of property that you are planning to buy. If you are planning to build your first home to live in; you could get started with as little as $30,000 in savings. This is only possible because the banks will require evidence that you have saved a 5% deposit. From there, they can take into consideration other schemes such as HPAS (for ADF members), the First Home Owners Grant (FHOG), the New Home Guarantee, DHOAS or stamp duty exemptions to minimise your contribution.

If you are buying an investment property most banks will require you to start with a deposit of 10% of the purchase price, plus costs (stamp duty, lenders mortgage insurance and legal fees). If you were planning to buy a $550,000 investment property, the deposit would need to be approximately $75,000.

Saving for your first home can be a difficult process, so ensuring you have your savings techniques working at their maximum capacity can rapidly shorten the time until you can buy a property. We also have strategies that allow you to benefit from the property market by paying a small, fully refundable, deposit many months before you are actually ready to buy a property.

While Strike Property has a very strong background in helping ADF members and veterans, our services are highly personalised and adaptable to anyone. Our current client portfolio is made up of nearly 40% of non-ADF clients who all appreciate our integrity in acquiring their property, attention to detail during their project management and the deliberate processes that are enacted for through-life-support of their portfolio.

We have also found that our ADF background is beneficial for those who are seeking to acquire a DHA Investment Property. Having a detailed understanding of the housing requirements for ADF members posted to specific regions – along with a detailed understanding of how to build houses to DHA specifications – means that Strike Property can give you the very best chance of securing a long-term DHA lease.

Let’s be honest – crawling through PACMAN is not how you want to spend your downtime. Even when you find the right reference – there will be obscure links that leave you still scratching your head. That is where Strike Property steps in – we’ve created the ‘soldiers 5’ on what you need to know.

Having recent experience in command and administrative roles in both the Army and Air Force leaves us uniquely placed to give you the answers you seek (because both of our QPIA®’s have been the approving or recommending authority). If you still have questions, be sure to book a free discovery session with us to ensure that you know how you can Maximise your ADF Entitlements.

Property provides a range of benefits that make it extremely popular to invest in. In Australia, we are amongst some of the most active investors in the world with nearly one in every three mortgages being for an investment loan. For ADF members – it is the one investment class that you get a HUGE advantage for due to your access to HPAS, HPSEA, DHOAS and subsidised housing.

What is it that makes it attractive? Firstly, there is the capital growth, which is the increase in the value of the property over time. Property values generally fluctuate less than the stock market and you are also able to use greater leverage than many other investments.

Next, you have the rental income that you receive each year (also known as yield). If you choose the right property the yield, when combined with tax benefits, should result in your property paying for itself. Negative gearing is the most widely known tax benefit, which allows you to reduce your taxable income with any losses from your investment property.

With residential property, the income comes from good old fashion rent. That is tenants, paying you an income to reside at the property – over time this will increase with inflation. The key to this is ensuring you have chosen the right type of tenants.

If it is the right choice for your goals and portfolio, then indubitably! DHA can provide many advantages to investors, there can also be some negatives as well – so it’ll come down to a thorough analysis of what will be the right option for you.

We have found that our ADF background is beneficial for those who are seeking to acquire a DHA Investment Property. Having a detailed understanding of the housing requirements for ADF members posted to specific regions – along with a detailed understanding of how to build houses to DHA specifications – means that Strike Property can give you the very best chance of securing a long-term DHA lease.

A key player in your ADF housing entitlements – it is a one-off payment to assist you in purchasing a home to live in. The grant is taxable, so don’t get caught out and is $16,949. Not bad at all. Check out our detailed synopsis here: HPAS Fast Facts 

Not exactly… DHOAS is classed as a reportable expense payment fringe benefit under section 20 (a) of the Fringe Benefits Tax Assessment Act 1986. This means that Defence will pay a portion of the grossed-up value of the benefit. DHOAS has many facets and elements that make it very convoluted. We have broken it down into manageable chunks on our DHOAS Page

Don't take our word for it...

Don't take our word for it...

ADF Property

Strike Property newly built house

You’ve probably heard whispers about your HPAS, DHOAS and HPSEA. You’ve probably even got some mates who have used them.

Are you ready to learn more about the Defence Home Ownership Assistance Scheme?

If you are in the ADF and decide to invest in property, it is like starting a 100m sprint already half way down the track.

ADF Housing Entitlements DHOAS HPSEA HPAS

There is no denying it – DHA Investment does afford a relatively safe low-risk investment. 

ADF Property

Sick of being told “go and read PACMAN” or “It’s all on the DHOAS website!”? Wouldn’t you rather just getting all the information in one spot?

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DHOAS Facts

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HPAS Facts

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Tax Checklist

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