Everything you need to know about The Home Purchase Assistance Scheme (HPAS)

Home Purchase Assistance Scheme

The Home Purchase Assistance Scheme (HPAS) is designed as a one-time financial aid to support first-time home purchases for qualifying members. This assistance can be utilized for purchasing an existing home or constructing one from scratch.

Eligibility Criteria For Home Purchase Assistance Scheme

To qualify for Home Purchase Assistance Scheme, you must be a member of the Permanent Forces or a Reserve member under continuous full-time service (CFTS) for at least 12 months. You should also meet the following conditions

  • Purchasing a home in your current or next housing benefit location or family benefit location.
  • Buying the home after receiving your posting order.
  • Planning to remain in that location for at least 12 months after signing the contract.
  • Occupying the home within the specified time limit.

Occupancy Requirements

For homes under construction, occupancy must occur within the earlier of these dates:

  • A month after the home is ready for habitation.
  • 12 months after signing the contract to build the home.
  • 12 months after starting construction if you are building it yourself.

In case you purchase a home in your new location after receiving a posting order but before
commencing duty there, the home must be occupied within one month after the earlier of
these two dates:

  • The day you start duty in the new location.
  • The settlement date.

For all other situations, you or your resident family should occupy the home within one
month after the settlement date.

Extensions Due To Unforeseen Circumstances


In the event of unexpected circumstances leading to a delay in occupying your home, you have the option to seek an extension, allowing for a grace period of up to 12 months. The ADF Delegations team is available to provide guidance and support throughout the application process for this extension.

Should unforeseen situations arise that impede your timely occupancy, the extension provision offers a practical solution. By granting an additional timeframe of up to 12 months, it accommodates the challenges you may face, ensuring flexibility in your housing arrangements. The ADF Delegations team, equipped with the expertise to navigate such circumstances, stands ready to assist you.

Reach out to them for comprehensive guidance on the application process, ensuring a smooth and well-informed approach to securing the extension you may require. This commitment to understanding and addressing unforeseen challenges underscores the supportive framework in place to assist you in managing the intricacies of your housing situation within the ADF community.

Financial Support

The Home Purchase Assistance Scheme payment amounts to $16,949 (pre-tax). If you purchase a home with someone who
isn’t considered resident family, your payment will be a percentage based on your share of
ownership.

You may need to repay Home Purchase Assistance Scheme if the home purchase doesn’t materialize for any reason. If
Service-related issues prevent the purchase, you might be eligible to claim reasonable costs.
The ADF Delegations Team can provide detailed information on this.

Application Process To Apply For Home Purchase Assistance Scheme

Complete and submit the Application for Home Purchase Assistance Scheme or Home
Purchase or Sale Expenses Allowance (AC970) form. This form is available for download
from the Forms portal on the Defence Protected Network (DPN) or via Service Connect on
the DPN.

Prior to applying, ensure you have the necessary documents, which may include your posting
order, a copy of the signed and dated contract, and an approved Categorization Change and
Application to Live In/Live Out – ADF (AE681) form.

Follow these steps to apply:

  • Open an AC970 form.
  • Select Home Purchase Assistance Scheme in the Application type section.
  • Complete the form with your details and relevant payment information.
  • Attach the required supporting documents.
  • Submit your application to your Commanding Officer (CO) or via Service Connect, if applicable.

The CO will then forward the signed form to ADF.Delegations@defence.gov.au or through
Service Connect. The approval process might take between 8 to 14 weeks, depending on peak
posting periods. You’ll receive an email notification of the outcome, and if approved, the
payment will be processed in your subsequent pay cycle.

Additionally, if you sell the home in the future, you may be eligible to claim costs using the
Home Purchase or Sale Expenses Allowance (HPSEA).

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