Specialist lending · Australian Defence Force
HPAS. HPSEA. DHOAS. And a portfolio worth serving for.
We're mortgage strategists for current and former ADF members. We help you use every entitlement you've earned, and structure your lending so one property becomes a portfolio.
Access to 70+ lenders including specialist lending for Australian Defence Force members.
Your entitlements
Every dollar you've earned, working harder.
Home Purchase Assistance Scheme
A lump-sum contribution towards purchasing a home at your posting locality. We'll help you structure your loan so HPAS is applied where it makes the biggest dent.
Read the HPAS guideHome Purchase & Sale Expenses Allowance
Reimbursement for the real costs of buying or selling when you're posted: conveyancing, LMI, stamp duty and more. We'll flag every eligible expense.
Read the HPSEA guideDefence Home Ownership Assistance Scheme
A monthly interest subsidy that can save tens of thousands over the life of your loan. Model your entitlement in seconds with our DHOAS calculator.
Open the DHOAS calculatorBuilding a defence-backed portfolio
Postings, allowances and stable income are genuine advantages when structured properly. We protect future borrowing capacity so the next property isn't quietly closed off.
See investment lendingHow it works
A clear four-step process, built around service life.
01
15-min discovery call
We map your service situation, entitlements and goals. No obligation, no sales pitch.
02
Strategy & structure
A written plan showing how HPAS, HPSEA and DHOAS stack with your loan, and how the first property sets up the next.
03
Lender panel comparison
Real side-by-side quotes across 70+ lenders, including ADF-friendly options.
04
Settlement & beyond
We manage the paperwork end-to-end and stay with you across postings, refinances and portfolio growth.
Ready when you are
Let's map your entitlements and your next property.
A short qualifier tells us where you're posted, what you're planning and how we can help. We'll come back with a written strategy, not a sales pitch.
We are unable to confirm your eligibility for DHOAS. For full eligibility criteria, visit dhoas.gov.au or call 1300 434 627.