How defence income is assessed
Stable ADF employment is viewed favourably by most lender credit teams.
← Essential workers
Home loans for defence force personnel.
Home loan support for defence force personnel who want clear lending options around income, allowances, location and property goals. Subject to assessment.
Who this is for
Built for defence force personnel like you.
- Army, Navy and Air Force personnel
- Permanent ADF members
- Defence families
- Members posted away from home
- First home buyers and refinancers
- Investors using DHOAS or HPAS where eligible
Lending advantages
What may be available to you.
Several lenders apply specific policies to your profession. Eligibility, limits and pricing vary - subject to assessment.
Allowances and posting arrangements
Service allowances are recognised by selected lenders when supported by payslips and PAYG history.
No LMI options through selected lenders
Eligible members may access the Defence Home Ownership Assistance Scheme (DHOAS), the Australian Government 5% Deposit Scheme or essential worker programs. Subject to scheme rules.
Buying while posted away
We structure around postings, rentals and the timing of moves so the loan still fits the family's reality.
Common challenges
Where this profession often hits friction.
Frequent postings
Mandatory transfers complicate timing. We plan around bridging, rentals and re-let costs.
Living-in-quarters arrangements
Lenders treat rent-free or subsidised housing differently. Lender choice matters.
Deployment and short-notice changes
Deployment income and arrangements need clear documentation. We work to your timeline.
How we help
Strategy first. Loan second.
Our process is the same for every client - understand the situation, model it against selected lenders, then recommend a path. No pressure, no surprises.
- 01Map base, allowances, deployment and any spouse income.
- 02Check eligibility for DHOAS, Australian Government 5% Deposit Scheme or state schemes.
- 03Recommend lenders comfortable with ADF income.
- 04Manage the application, valuations and settlement end to end.
- 05Annual loan review for as long as you're a client.
Documents to have ready
Make the first conversation faster.
- ADF identification or employment evidence
- Recent payslips
- Allowance evidence
- Employment contract if available
- Current loan statements
- Savings evidence
FAQs
Common questions.
Can defence force members get no LMI options?+
Eligible members may use DHOAS, the Australian Government 5% Deposit Scheme or essential worker programs. Subject to scheme and lender criteria.
Can allowances be used?+
Selected lenders count service allowances with payslip and PAYG support.
Can I buy while posted away?+
Yes. We structure around postings, rentals and the timing of moves.
Can defence members buy investment property?+
Yes. We model investment lending across your full position.
What documents do defence members need?+
Employment evidence, recent payslips, allowance evidence, current loan statements and savings evidence.
Want to know what you may qualify for?
Send us a few details and we will check your options with current lender policy.
Every lender has different rules. Your eligibility depends on your income, deposit, credit history, property type, location, existing debts and the lender policy at the time of application.
This information is general only and does not consider your personal situation. Lending options, LMI waivers, interest rates, loan amounts and approval requirements vary by lender and can change at any time. We will check your circumstances against current lender policy before making any recommendation.