If you'd like more information on any of our products or services, we'd be happy to help. Australian Military BankPhone: 1300 2 DHOAS (1300 234 627) Web: www.australianmilitarybank.com.au/dhoas-home-loans, Defence Bank Limited (Defence Bank)Phone: 1800 033 139 Web:http://offers.defencebank.com.au/dhoas-home-loanNational Australia Bank (NAB) Phone: 13 13 12 Web: www.nab.com.au/personal/loans/home-loans/compare-loans/nab-defence-force-home-loan, Defence Service Homes Insurance (DSHI) benefit, Service milestones and subsidy tier levels, Separation, medical/death, surviving partners, Switching from DHOS/DSH home loan to a DHOAS loan, Complete Subsidy Authorisation Request Form, Interest rate changes - 2008-09 subsidy tier limits, Interest rate changes - 2009-10 subsidy tier limits, Interest rate changes - 2010-11 subsidy tier limits, Interest rate changes - 2011-12 subsidy tier limits, Interest rate changes - 2012-13 subsidy tier limits, Interest rate changes - 2013-14 subsidy tier limits, Interest rate changes - 2014-15 subsidy tier limits, Interest rate changes - 2015-16 subsidy tier limits, Interest rate changes - 2016- 17 subsidy tier limits, Interest rate changes - 2017-18 subsidy tier limits, Interest rate changes - 2018-19 subsidy tier limits, Interest rate changes - 2019-20 subsidy tier limits, Interest Rate changes - 2020-21 subsidy tier limits, Interest rate changes - $80,000 subsidy tier limit, Subsidy for $80,000 subsidised loan limit, End of service credit and subsidy payments, www.australianmilitarybank.com.au/dhoas-home-loans, http://offers.defencebank.com.au/dhoas-home-loan, www.nab.com.au/personal/loans/home-loans/compare-loans/nab-defence-force-home-loan. The subsidy is paid monthly, directly into a DHOAS home loan. All DHOAS home loan options under one roof. You should do your own independent due diligence and seek the advice of qualified advisors before making any investment decision. Defence appointed the Department of Veterans’ Affairs (DVA) to be the DHOAS Scheme Administrator. Before you are eligible for DHOAS, you need to complete a qualifying period of service and accrue a service credit. Enjoy a competitive variable rate and the benefits of an offset facility. It remains your responsibility to ensure that you can meet your mortgage repayment obligations, as agreed with your Home Loan Provider, regardless of your DHOAS subsidy. Members who are refinancing an existing home loan with one of the DHOAS Home Loan Providers should note there may be costs associated with the transfer. There are a range of DHOAS Loans available from the three providers, making it easy to find one that suits your needs.

Knowing who you are helps, find what you want. Axon Property Group Pty Ltd, Robbie Turner, and their associated companies, researchers, authorised distributors and licensees, employees and speakers do not guarantee your past, present or future investment results whether based on this information or otherwise. There are a number of conditions that apply to accessing DHOAS. DHOAS Fixed Rate Home Loans convert to the Standard Variable home loan at the end of the fixed term. For an overview of how the Scheme works, see Steps to DHOAS benefits. With a wide range of DHOAS Home Loans available, you'll have the flexibility to choose the loan type and repayment frequency to suit your budget. Looks like it's time to upgrade your browser. This can be especially useful if you're looking to fast track your housing investment, but will only be applicable in some situations. For more information. Australia’s Defence Bank is one of a select group of lenders authorised to provide DHOAS compatible loans, and you can count on your home loan specialist for a home loan package designed for you.

Enter the current median interest rate used to calculate DHOAS subsidy payments.

If you’re interested in accessing DHOAS, you are advised to carefully review this website for general information about eligibility and entitlements, how subsidy payments are calculated and the conditions of the Scheme.

Home > Step 4Take out a DHOAS loan > DHOAS home loans. Australian Military Bank offers a range of low cost DHOAS (Defence Home Ownership Assistance Scheme) Home Loans, which have been designed to suit the needs of eligible Australian Defence Force home buyers. DHOAS subsidy payment amounts are subject to fluctuations from changes in subsidy tier level, interest rates and service status. 1 Rates are current at the time of publication and are subject to change.

Service milestones and subsidy tier levels, Separation, medical/death, surviving partners, Switching From DHOS/DSH Home Loan To a DHOAS Loan, Complete Subsidy Authorization Request Form, DHOAS Subsidy and your Mortgage Repayments, End of Service Credit and Subsidy Payments, Avoid Paying Back Subsidy - Report Changes, portion of your home loan that can attract a subsidy. Under certain circumstances, you may be eligible to have your subsidy paid out as a lump sum. Approval for home loans You need to apply to one of the nominated DHOAS Home Loan Providers for a home loan, using a valid DHOAS subsidy certificate. This amount is inclusive of Lenders Mortgage Insurance (LMI) premium. The Defence Home Ownership Assistance Scheme (DHOAS) is a subsidy and DHOAS home loan scheme available for current and former Australian Defence Force members. Please note that eligibility for DHOAS does not mean approval for your home loan application. You’ve found the home of your dreams and now you need to know you’re getting the best deal on your DHOAS home loan. DHOAS differs from previous home ownership assistance schemes in that the benefits are not tied to a specific loan amount. It is the responsibility of members to meet any transfer costs. Essentials home loan with Ultimate Package. You receive the subsidy payments for as long as you have a service credit and DHOAS home loan, and you are meeting the Scheme conditions. To be more secure and enhance your browser experience try Chrome, Edge or Firefox.