If you’re an Australian Defence Force (ADF) member or veteran, your DHOAS loan through the Defence Home Ownership Assistance Scheme (DHOAS) could be one of the most valuable financial tools at your disposal.
As your local financial adviser serving the Sunshine Coast, North Lakes and North Brisbane communities, we’ve helped many clients transform this monthly DHOAS loan subsidy of up to $942 (as of October 2025) into a powerful wealth-building advantage that creates lasting peace of mind.
Why a DHOAS loan is different from traditional home loans
Unlike a standard home loan, a DHOAS loan comes with a government-funded subsidy paid directly to your lender. The longer you serve, the higher your tier and the greater your potential DHOAS subsidy benefit. This unique feature fundamentally changes how we approach your financial planning strategy.
Here’s what makes DHOAS special: you’re essentially receiving government assistance to reduce your borrowing costs while building equity in your home. This creates opportunities that most homeowners simply don’t have access to, allowing you to build wealth while maintaining the security of subsidised home ownership.
Traditional strategy vs. DHOAS-optimised approach
Traditional approach: Pay down your non-deductible home loan debt first, then re-borrow to invest with deductible debt.
DHOAS-optimised strategy: Park your surplus cash in an offset account to reduce interest on your home loan without impacting your DHOAS subsidy. Then use your home as security and borrow to invest, creating deductible investment debt. This approach allows you to accelerate your investment growth while continuing to receive the government subsidy, effectively creating multiple income streams from your DHOAS benefits. Note that this strategy is subject to borrowing capacity and serviceability requirements.
Leveraging your home equity and lump sum opportunities
If you have sufficient equity built up in your home, you may be able to borrow additional funds against your home specifically for investment purposes, potentially amplifying your investment returns while maintaining your DHOAS loan benefits. This strategy requires careful analysis of your individual circumstances, but it can be incredibly effective for the right client.
Alternatively, if you’ve received a lump sum payment from the Department of Veterans’ Affairs (DVA), this can serve the same wealth-building purpose without increasing your debt burden while you continue to benefit from your DHOAS subsidy. These lump sums present a unique opportunity to accelerate your investment timeline.
Tailoring your strategy to your personal goals
Your risk tolerance, investment timeline, and personal circumstances will determine the optimal mix of debt repayment and investment for your situation. There’s no one-size-fits-all solution, which is exactly why we take the time to understand your unique goals and create a tailored strategy.
Some clients prioritise security and steady growth, while others are comfortable with more aggressive wealth accumulation strategies.
As a financial adviser specialising in ADF members and their entitlements, our advice is completely tailored to your goals, circumstances, and long-term financial wellbeing.
As an experienced financial advisor North Lakes defence members recommend, we’ll work with you to model different scenarios, helping you understand the potential outcomes of various approaches. This clarity around your options empowers you to make informed decisions with confidence.
Build wealth with confidence
The DHOAS loan subsidy is a unique opportunity for ADF members and veterans that deserves a specialised approach to financial planning. With the right strategy, it can become the cornerstone of your wealth creation plan, enabling you to live the fulfilling life you’ve earned through your service.
Precision Wealth Management is a local financial advisor trusted by ADF members and veterans. We specialise in helping clients across the Sunshine Coast and North Brisbane make the most of their entitlements while building long-term financial security. Our transparent fee structure ensures you’re paying for advice that’s genuinely in your best interests.
As your local financial advisor Sunshine Coast families choose for personalised service, we believe financial planning should be about more than just numbers on a page. It’s about creating the freedom to enjoy life without financial worry, both now and into the future.
Looking for an ADF Financial advisor to maximise your DHOAS benefits while building lasting wealth?
As your local financial advisor North Lakes, Sunshine Coast and North Brisbane communities trust, Precision Wealth Management specialises in helping ADF members maximise their entitlements
Book your personalised strategy session today to see how we can help you turn your DHOAS loan benefits into a long-term wealth strategy.
