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ADF HOME LOANS

Say Goodbye To Loan Anxiety And Eliminate High Interest Rates with Our ADF Home Loans

Are you tired of feeling like a square peg in a round hole when it comes to securing a home loan as a military personnel? We get it. The frustration of brokers and banks failing to grasp the unique challenges you face can be overwhelming.

Defence Finance Banks and Partner Lenders

Get personalised assistance on your ADF home loan journey

Are you frustrated by the lack of understanding from brokers and banks when it comes to the unique needs of military personnel in obtaining ADF home loans? As a veteran-owned business, we know of the challenges you face. It’s natural to question whether DHOAS is the right choice and whether better loan products exist in the general market. At our company, we strive to address your concerns and alleviate any doubts you may have, and eliminate confusion. 

ADF home loans

Finally understand the benefits you're entitled to as a defence member.

With Defence Finance, we take the time to understand your specific requirements and goals to ensure that you find the best ADF home loan options and work with the right DHOAS loan provider. Let us help you compare all lenders’ products and guide you through the process to ensure you are able to maximise your entitlement.

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military family at their new home with a defence loan

ADF Home Loans Eligibility

Are you wondering if you meet the criteria for ADF Home Loans? Here’s what you need to know about eligibility.

Past Service

You don't have to be currently serving in the defence force. If you have served in the ADF within the past five years, you meet the eligibility requirement.​

Minimum Qualifying Period

To qualify for an ADF Home Loan, you must have completed a minimum qualifying period, and in certain cases, foreign service.

Service Credit

You start earning service credit after successfully completing the qualifying period. This service credit can then be exchanged for subsidy payments.​

Future Service Expectation

There might be an expectation that you will continue serving in the ADF for at least the next 12 months to be eligible for an ADF Home Loan. We can clarify this with you.​

Occupancy Requirement

You need to live in the premises for at least a year to be approved, but if you're posted and have to move before the 12-month mark, you're entitled to keep your loan.​

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Learn more about your entitlements​

Are you ready to unlock the full potential of your ADF home loans benefits and entitlements? In this 10 minute call, we’ll discuss your situation and what options you have.

Defence Finance Team Options
Learn about your loan entitlements with a Defence Finance professional.