Defence First Home Buyer Calculator
See your deposit and your repayment after the DHOAS subsidy — stacking your Defence benefits on top of the first home buyer grants. Illustrative estimate, not financial advice.
Book a Defence first-home call →
Estimate only — not financial product advice or a credit quote. DHOAS depends on your service record and the current benchmark rate and only applies through a DHOAS-accredited lender. Grant and scheme eligibility depends on your circumstances. Confirm everything with a licensed broker. Low Deposit Homes helps you find the home and package; finance is arranged through a licensed broker.
Can ADF members get a first home with a low deposit?
Yes. ADF members can use the civilian 5% Deposit Scheme (no LMI) plus the First Home Owner Grant and stamp duty concessions, and stack the Defence schemes — DHOAS for everyone eligible, and HPAS for permanent members — on top, because the civilian and Defence benefits sit in separate eligibility silos.
How is the DHOAS monthly subsidy calculated?
DHOAS pays 37.5% of the median interest expense on the subsidised portion of your loan over 25 years, using a median major-lender variable rate (capped at 8.95%) that is reviewed monthly — so the dollar figure moves with rates. The subsidised portion is capped at your tier limit ($413,690 / $620,535 / $827,380 for 2025-26).
Do Reservists get HPAS?
No — HPAS (the one-off $16,949 before tax) is for permanent ADF members buying in their posting location. Reservists still access DHOAS (with longer qualifying periods) and the full civilian first home buyer stack.