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What Is a Military Home Loan?
A military home loan is a mortgage designed specifically for current and former ADF members, including Army, Navy, and Air Force personnel. These loans often include reduced deposit requirements, waived LMI, and flexible lending criteria to accommodate deployments and frequent relocations.
How Military Home Loans Work
ADF members may qualify for specialist home loans with unique benefits tailored to their service conditions. Many lenders recognise the stable income and career security of military personnel, allowing for higher borrowing capacity, reduced fees, and flexible repayment options. Additionally, the Defence Home Ownership Assistance Scheme (DHOAS) provides government-backed subsidies to eligible ADF members, reducing loan costs.
Benefits of a Military Home Loan
Military home loans offer exclusive benefits that make homeownership more affordable for ADF members. These include:
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Waived LMI on loans up to 90-95% of the property value
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Flexible loan structures to accommodate deployment or relocation
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Access to government subsidies under the DHOAS scheme
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Higher borrowing capacity due to secure ADF income
These benefits help ADF personnel enter the property market sooner with less upfront costs and more financial flexibility.
Specialist Mortgage Brokers for ADF Members
At Freedom Mortgage Solutions, we specialise in helping current and former military personnel access exclusive home loan benefits. We work with over 30 lenders, including those offering specialist military mortgages with waived LMI and discounted interest rates.
Tailored Loan Solutions & Hassle-Free Approvals
We understand the unique needs of ADF members, including frequent relocations, deployment, and career progression. Our mortgage specialists handle all loan applications, paperwork, and lender negotiations, ensuring a fast and smooth approval process.
Who Qualifies for a Military Home Loan?
Military home loans are available to:
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Active-duty ADF personnel (Army, Navy, Air Force)
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Reservists meeting lender criteria
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Veterans & retired ADF members
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Defence contractors & support staff (on a case-by-case basis)
Certain loan benefits, such as DHOAS subsidies, may have specific eligibility requirements. Our team ensures you maximise your entitlements and secure the best loan terms.
How to Get Approved for a Military Home Loan
To qualify, lenders assess:
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Current ADF employment status & income
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Deposit amount (low deposit options available)
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Credit history & financial commitments
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Eligibility for DHOAS benefits (if applicable)
Working with a mortgage broker ensures ADF members access the best lenders offering military-specific mortgage benefits.
Get In Touch
FAQ
Many lenders offer low deposit home loans for ADF members, with some allowing borrowing up to 90-95% LVR without requiring LMI. The exact deposit required depends on the lender and whether the borrower qualifies for DHOAS or other defence-related benefits.
The DHOAS is a government subsidy that helps eligible ADF members and veterans reduce their home loan interest costs. It provides monthly loan repayments assistance, based on years of service and loan amount. Eligibility requirements include minimum service periods and taking out a home loan with a participating lender.
Yes, ADF members on active deployment can still apply for a home loan. Some lenders offer special flexibility for deployed personnel, allowing remote loan applications with digital approvals. Mortgage brokers can handle the process on your behalf, ensuring seamless communication with lenders.
Military home loans often include flexible repayment options to accommodate relocations. Some lenders allow loan portability, meaning you can transfer your mortgage to a new property without refinancing. Renting out your existing home is also an option if relocating to another city or state.
Yes, many lenders extend military home loan benefits to retired ADF personnel. Veterans may also qualify for DHOAS subsidies, depending on their years of service and discharge conditions. Consulting with a mortgage expert helps identify the best available options.
Freedom Mortgage Solutions welcomes your enquiry. To book an appointment or simply ask us a question, fill in your details and we'll be in touch soon!