If you're an active member of the ADF or a veteran living on Sydney’s North Shore, getting into the property market could be easier than you think. Defence members are viewed as secure and reliable borrowers, which means you may be eligible for flexible lending options, fee waivers, and government-backed support.

Whether you're posted locally or relocating, this guide will help you navigate home loans for defence personnel North Shore Sydney and access exclusive 2025 mortgage opportunities in one of Sydney’s most desirable regions.

Lenders appreciate the job security and steady income that comes with serving in the Australian Defence Force. With a median house price of $2.3 million on the North Shore in 2025 (SQM Research), knowing your options is key to avoiding costly mistakes.

Let's get started.

Who Qualifies for Defence Home Loan Benefits?

If you're a current or former member of the ADF, you're likely eligible for defence-focused loan options. This includes permanent, reserve, and ex-service personnel.

• Full-time and reserve ADF members
• Veterans and medically discharged members
• Spouses or partners may co-apply for some benefits
• Eligibility may depend on service duration and discharge type

What Is the Defence Home Ownership Assistance Scheme (DHOAS)?

DHOAS is a government initiative that helps eligible defence members buy a home by offering a monthly subsidy towards home loan interest.

• Helps reduce monthly repayments
• Amount is based on service length and loan balance
• Must use an approved DHOAS home loan provider
• You can use it more than once if you remain eligible

What Lenders Offer Defence-Friendly Home Loans?

While many major banks offer home loans to ADF members, only a few are DHOAS-approved. Others may still provide additional features tailored to defence personnel.

• DHOAS-approved lenders provide interest subsidies
• Some banks offer fee waivers and discounts for ADF members
• Local brokers, like Sabea Financial, can help you choose the right lender

Do Defence Members Need a Large Deposit?

Not always. Many lenders recognise the financial pressures of defence postings and allow ADF members to access loans with smaller deposits and more lenient conditions.

• Some options available with just a 5% deposit
• LMI may be waived or reduced
• DHOAS benefits may offset interest over time
• Guarantor loans are also an option for first-home buyers

What Documents Do You Need as a Defence Applicant?

Getting your paperwork right can speed up the process significantly. Lenders will want to see clear evidence of your role and income.

• Current ADF service record or ID
• Recent payslips or Defence salary summary
• Bank statements showing regular salary credits
• DHOAS eligibility certificate, if applicable
• Proof of residency or deployment orders (for relocations)
  
  

Can You Use DHOAS on the North Shore?

Absolutely. There’s no restriction on property location under DHOAS. You can use your subsidy for eligible loans in high-demand areas like the North Shore.

• Popular suburbs include Lane Cove, St Ives, Wahroonga, and Chatswood
• Proximity to military bases, healthcare, and good schools
• Excellent long-term growth prospects in 2025 and beyond
  
  
  

What Features Should You Look For in a Defence Home Loan?

With deployments and relocations in mind, flexibility should be a key focus. Look for features that accommodate lifestyle changes and income structures.

• Offset accounts to reduce interest
• Redraw facilities for unexpected expenses
• Fixed/variable split options
• Low exit fees in case of early discharge or relocation
  
  
  

Are There Government Grants and Schemes You Can Combine With DHOAS?

Yes, and using multiple support schemes can significantly reduce your upfront costs—especially if you’re a first-time buyer.

• First Home Owner Grant (NSW) – $10,000 for new homes
• First Home Guarantee – Buy with a 5% deposit and no LMI
• Stamp Duty Concessions – Based on property value and buyer status
• Eligibility varies, so always confirm your status via nhfic.gov.au
  
  
  

Why Work With a Broker Who Specialises in Defence Lending?

You’ve got a unique career—and your home loan should reflect that. Brokers who understand the defence system make it easier to secure a loan that works with your lifestyle.

• Help you understand DHOAS and other benefits
• Match you with lenders that offer flexible terms for defence members
• Guide you through income documentation and posting-related challenges
• Save time and increase approval chances

Frequently Asked Questions (FAQs)

Can I get a home loan with DHOAS and a 5% deposit?
Yes, if you qualify for the First Home Guarantee, you may only need a 5% deposit and avoid LMI.

Do all lenders accept DHOAS subsidies?
No. Only approved lenders can offer DHOAS-compliant home loans. Check with a broker before applying.

How much can I borrow as a defence member?
It depends on your income, expenses, and service status. Many ADF members can borrow up to 90–95% LVR with flexible conditions.

Is LMI waived for defence personnel?
Some lenders waive LMI or reduce it significantly for ADF members, especially when combined with government schemes.

Can I use DHOAS more than once?
Yes, if you remain eligible, you can reuse your subsidy when refinancing or buying a new property.

Does posting affect my home loan eligibility?
Not necessarily. With proper documentation, relocations are accepted. Some lenders even offer portable loans for this reason.

Can Sabea Financial help with ADF home loans?
Absolutely. We specialise in home loans for defence personnel North Shore Sydney, guiding you through every step and securing tailored finance options.

Summary: Ready to Secure Your North Shore Home as a Defence Member?

If you’re in the ADF, you’re already positioned for strong home loan approval thanks to your reliable income and trusted profession. With options like DHOAS subsidies, low-deposit lending, and flexible terms, you can confidently step into the Sydney property market - even in competitive areas like the North Shore. From tailored lender products to government grants, there’s a wide range of financial support available for defence members like you.

At Sabea Financial, we understand the demands of military life and specialise in securing the right home loans for defence personnel North Shore Sydney. Whether you're buying your first home or upgrading, we’ll guide you from pre-approval to settlement.

📞 Call us on 1300 001 755
Or email us on info@sabea.com.au

Let’s help you find the perfect suburb - and the right loan to make it happen.