APS & Defence Home Loans.
We speak DHOAS, PSS & CSS.
Whether you are posting to Russell Offices or working at Parliament House, don't let a standard bank misunderstand your entitlements. We maximise your government benefits.
Australian Defence Force (ADF)
Expert advice for Army, Navy, and Air Force personnel.
Maximising Your Entitlements
- DHOAS
Subsidy Tiers 1, 2 & 3
We compare the 3 approved DHOAS lenders to ensure you aren't paying a higher interest rate just to get the subsidy.
- HPAS
$16,949 Cash Payment
We help you structure your deposit to include the Home Purchase Assistance Scheme payment.
- FHOG
First Home Owners Grant
Yes, you can often combine DHOAS with the $10k NSW Grant or ACT Stamp Duty waivers.
Posting & Deployment
Buy Before You Arrive
Don't waste money on rent. We use your Posting Order to verify future residence, allowing you to buy in ACT/NSW while still interstate.
Rentvesting Strategy
Deployed overseas or posted to Darwin? We can help you buy an investment property in Canberra now to secure your future home.
Australian Public Service (APS)
EL1, EL2, SES & Contractors.
Your 15.4% Super is a superpower.
Most mortgage calculators ignore your higher super contributions. They treat you like a standard employee getting 11%.
We know that PSS, CSS, and PSSap contributions can be "added back" to your serviceability with specific lenders. This can increase your borrowing capacity by $50,000 - $100,000.
APS Contractors (Hourly/Daily)
- We annualise your daily rate (e.g. $800/day x 5 days x 48 weeks).
- No need for 2 years tax returns if you have current contracts.
- 1-year contract history is often sufficient.