ADF & DHOAS LOANS
Maximise your ADF and DHOAS entitlements.
Understand your Defence Home Ownership Assistance Scheme (DHOAS) benefits and home loan options with personal mortgage guidance from Cornell Mortgages.
Clear guidance for Defence personnel and their families.
ADF Home Loan Position Check
Whether you are posted locally, interstate or overseas, answer a few questions so Cam can understand your DHOAS, property and posting situation.
HOW WE CAN HELP
Start with the right information.
Navigate DHOAS requirements
We help you understand tier levels, subsidy certificates and eligible lenders so you can make the most of your entitlements.
Structure your loan correctly
Whether you're buying your first home or investing, we help combine DHOAS with other grants or benefits seamlessly.
Compare eligible lenders
We weigh up DHOAS lenders against the broader market to ensure your overall loan package is genuinely competitive.
WHY WORK WITH US
Specialised guidance for Defence personnel.
Understand your true eligibility
We help you interpret your DHOAS tier and subsidy amount, ensuring you understand exactly how it impacts your borrowing capacity.
Clear comparisons
We show you whether a DHOAS loan or a standard competitive loan is better for your overall financial situation.
Support through to settlement
We manage the paperwork and lender communication while you focus on your duties, keeping you informed at every step.
Our Best Interests Duty
When providing credit assistance, we are legally required to act in your best interests and prioritise your interests where a conflict exists. Any recommendation must be based on your circumstances, objectives and needs.
YOUR PATH TO A DHOAS LOAN
Know what happens next.
Understand your entitlements
Review your DHOAS subsidy tier and certificate status.
Estimate your borrowing capacity
Explore your potential borrowing range with DHOAS factored in.
Prepare for pre-approval
Collect documents, including your DHOAS certificate.
Compare eligible lenders
Weigh up DHOAS lenders against the broader market.
Approval and settlement
Secure your finance and apply the subsidy to your loan.
BORROWING CAPACITY CALCULATOR
What could your income and deposit allow you to buy?
Use our indicative borrowing-capacity calculator to explore a potential borrowing range and understand the factors that may influence the result.
Indicative estimate only. This is not loan approval or a lender recommendation.
Before you begin, it helps to understand:
DHOAS eligibility
Ensure you meet the required service period and hold a valid subsidy certificate.
Subsidy tiers
Understand how your accrued service translates into Tier 1, 2, or 3 subsidy levels.
Eligible lenders
DHOAS loans are only available through a specific panel of participating lenders.
Deployment impacts
Consider how future postings or deployments might affect your property plans and subsidy.
Common questions about DHOAS
Eligibility, lender policy and government program rules can change.