Get an estimate of your DHOAS entitlement

No. It's designed to give you a general estimate based on the information you enter, not a confirmed entitlement figure. Your actual DHOAS subsidy is determined by Defence Housing Australia based on your service history and circumstances, so this tool is a starting point, not the final word.

Generally your years of qualifying service and some basic loan details. The more accurate the information you enter, the more useful the estimate will be, though it still won't replace a formal assessment.

DHOAS works alongside a home loan rather than replacing it, and how it fits depends on your lender and loan structure. We can talk you through how to combine the two once you have a clearer picture of your situation.

Treat it as a guide to start the conversation, then talk to us or apply through Defence Housing Australia to confirm your actual entitlement. We can help you understand your options and next steps from there.