Monthly Cash-back
An additional 0.10% pa is credited to your DHOAS loan each month, in addition to your government DHOAS subsidy, for the life of the loan.
Compare ADF defence home loans and earn monthly cash back on top of your DHOAS subsidy, for the life of your loan.
Mates Rates Mortgage Brokers is an accredited broker with Australian Military Bank, a DHOAS home loan provider. As a current or former ADF member eligible for the Defence Home Ownership Assistance Scheme, you can combine your DHOAS monthly subsidy with our exclusive Mates Rates cash-back credit to pay off your defence home loan faster than any other option available to you.
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Australia’s original & best cash-back broker
The Defence Home Ownership Assistance Scheme, or DHOAS, is an Australian Government initiative designed to help current and former ADF members and their families achieve home ownership. If you meet the DHOAS eligibility conditions, including a qualifying period of service, accrued service credit, and occupancy requirements, you may receive monthly subsidy payments paid directly into your DHOAS home loan.
The longer you serve in the ADF, the more entitlements you accrue and the higher your subsidy tier. The three tiers are:
| Subsidy tier | Minimum permanent service | Minimum reserve service |
|---|---|---|
| Tier One | 2 years | 4 years |
| Tier Two | 4 years | 8 years |
| Tier Three | 8 years | 12 years |
To confirm your eligibility, contact the DHOAS helpline on 1300 434 627 or visit dhoas.gov.au. Once you know your eligibility, Mates Rates can help you find the most cost-effective DHOAS loan available.
As with every Mates Rates loan, 100% of the lender trailing commission paid to us through our aggregator Finsure, is credited directly to your DHOAS home loan account every month for the life of the loan. On a DHOAS loan with Australian Military Bank, this amounts to an additional 0.10% per annum cash-back credit on top of your government DHOAS subsidy.
To be clear: the 0.10% pa cash back is paid by Mates Rates Mortgage Brokers from our trailing commission. It is not a cash back paid by the Australian Military Bank or the DHOAS scheme itself.
The Mates Rates DHOAS cashback is a compound-interest saving. When the monthly credit is applied directly to your loan principal, it reduces your balance faster, which in turn reduces the interest you pay on the remaining balance. Over the life of a DHOAS loan, this saves eligible ADF members thousands of dollars in interest on top of what the DHOAS subsidy alone delivers.
Some mortgage brokers, unable to offer DHOAS loans themselves, will steer ADF members toward lower-interest-rate lenders that do not include the DHOAS subsidy. This approach looks cheaper upfront but almost always costs you more over the life of the loan.
Only Mates Rates has the calculators to accurately compare:
Contact us for a free DHOAS home loan comparison and we will show you the true life-of-loan cost for all three scenarios so you can make an informed decision.
An additional 0.10% pa is credited to your DHOAS loan each month, in addition to your government DHOAS subsidy, for the life of the loan.
Our fee comes from the lender’s upfront commission. You pay nothing extra for our broking service.
We are an accredited broker with Australian Military Bank, a DHOAS home loan provider, and understand the specific requirements of defence lending.
Only Mates Rates has calculators that compare all three DHOAS loan scenarios so you can see the true life-of-loan cost before you decide.
Our brokers understand DHOAS eligibility, subsidy tiers, and the compound interest benefit of combining your subsidy with our cash-back credit.
We compare defence home loan options across our full lender panel to ensure you are getting the most cost-effective solution available.
From eligibility check through to settlement, a Mates Rates broker manages every step on your behalf.
1
Contact the DHOAS helpline on 1300 434 627 or visit dhoas.gov.au to confirm your eligibility and subsidy tier. Once confirmed, contact Mates Rates for a free loan comparison.
2
We compare your DHOAS loan options, including your government subsidy plus our 0.10% pa cash-back credit against lower rate non-DHOAS lenders, so you can see the true life-of-loan cost for each option.
3
We prepare and lodge your DHOAS home loan application with Australian Military Bank, manage all documentation, and liaise with the lender through to formal approval.
4
Your DHOAS loan settles, your government subsidy payments begin, and your monthly Mates Rates cash-back credits begin simultaneously, reducing your effective loan cost from day one.
We arrange DHOAS and defence home loans across every major loan type:
Current and former Australian Defence Force (ADF) members who have completed a qualifying period of service, accrued a service credit, and met the DHOAS subsidy loan scheme conditions, including occupancy requirements. Contact the DHOAS helpline on 1300 434 627 or visit dhoas.gov.au to confirm your eligibility before applying.
If you are eligible for a DHOAS subsidy loan, your subsidy will be paid monthly, directly into your DHOAS home loan. The amount you receive depends on your subsidy tier level and the balance of your home loan up to your subsidised loan limit. The Mates Rates cash-back credit is then applied on top of this subsidy as a separate monthly payment from us.
There are three subsidy tiers under the DHOAS scheme. The longer you serve in the ADF, the higher your tier and the greater your monthly subsidy entitlement:
| Subsidy tier | Minimum permanent service | Minimum reserve service |
| Tier One | 2 years | 4 years |
| Tier Two | 4 years | 8 years |
| Tier Three | 8 years | 12 years |
To confirm which tier you qualify for, contact the DHOAS helpline on 1300 434 627 or visit dhoas.gov.au.
Mates Rates offers eligible ADF members an additional 0.10% per annum cash-back credit on a DHOAS subsidy rate loan with Australian Military Bank. This is credited monthly to your home loan account, in addition to your government DHOAS subsidy, and is paid by Mates Rates from our trailing commission at no additional cost to you.
Contact Mates Rates for a free DHOAS home loan comparison. We will show you exactly how much more cost-effective your DHOAS loan could be with our cash-back subsidy on top. Call 1300 558 161 or enquire online.
Current and former Australian Defence Force (ADF) members who have completed a qualifying period of service, accrued a service credit, and met the DHOAS subsidy loan scheme conditions, including occupancy requirements. Contact the DHOAS helpline on 1300 434 627 or visit dhoas.gov.au to confirm your eligibility before applying.
If you are eligible for a DHOAS subsidy loan, your subsidy will be paid monthly, directly into your DHOAS home loan. The amount you receive depends on your subsidy tier level and the balance of your home loan up to your subsidised loan limit. The Mates Rates cash-back credit is then applied on top of this subsidy as a separate monthly payment from us.
There are three subsidy tiers under the DHOAS scheme. The longer you serve in the ADF, the higher your tier and the greater your monthly subsidy entitlement:
| Subsidy tier | Minimum permanent service | Minimum reserve service |
| Tier One | 2 years | 4 years |
| Tier Two | 4 years | 8 years |
| Tier Three | 8 years | 12 years |
To confirm which tier you qualify for, contact the DHOAS helpline on 1300 434 627 or visit dhoas.gov.au.
Mates Rates offers eligible ADF members an additional 0.10% per annum cash-back credit on a DHOAS subsidy rate loan with Australian Military Bank. This is credited monthly to your home loan account, in addition to your government DHOAS subsidy, and is paid by Mates Rates from our trailing commission at no additional cost to you.
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