Defence Home Loans: Serving Those Who Serve
At North Rocks Mortgage Solutions, we are proud to support Australian Defence Force (ADF) members and their families with tailored home loan solutions. Our expertise ensures you can navigate the unique benefits and challenges associated with Defence-specific financial products, so you can achieve your homeownership goals with confidence.
ADF members can apply for the same types of loans available to civilians and qualify for the government schemes and grants. In addition, ADF members have access to several home loan support programs specifically designed to cater to their unique needs:
Defence Home Ownership Assistance Scheme (DHOAS)
The DHOAS provides ADF members with a subsidy to offset home loan interest costs. Depending on your length of service, you could qualify for higher subsidy tiers, making homeownership more affordable.
Home Purchase Assistance Scheme (HPAS)
The HPAS is a one-off lump sum payment to assist with the upfront costs of purchasing your first home. This benefit is ideal for helping cover expenses such as deposit or legal fees.
Home Purchase or Sale Expenses Allowance (HPSEA)
The HPSEA reimburses eligible ADF members for specific expenses related to buying or selling a home, such as legal costs or agent fees, reducing the financial burden during property transitions.
Partner with Experts Who Understand Your Needs
The DHOAS scheme offers significant benefits but has eligibility requirements and conditions that must be met. For further details on your DHOAS eligibility or entitlements, consult the official DHOAS website.
While we cannot advise on your DHOAS eligibility or entitlements, we can assist you with the financial aspects of your home loan application. Whether you're planning to live on the property or rent it out as an investment, we’ll guide you through:
- Home loan options that suit your goals and lifestyle.
- Unique opportunities to leverage these benefits while ensuring long-term financial stability.
- Car Loans
- Personal Loans
- Residential Home Loans
- Commercial Loans
- SMSF Lending
Our Services
Car Loans
Getting on the road has never been easier with North Rocks Mortgage Solutions. We offer fast, reliable car loans with competitive interest rates, ensuring a smooth journey from application to purchase.
Personal Loans
For life's major milestones or unexpected expenses, our Personal Loans offer competitive rates and flexible terms. Whether it's for a wedding, renovation, or medical costs, we provide personalized solutions to meet your financial needs.
Residential Home Loans
Whether you're stepping into homeownership for the first time or expanding your property portfolio, North Rocks Mortgage Solutions is here to guide you. We cater to First Home Buyers, seasoned investors, and those looking for specialized solutions such as Defence Home Loans for Australian Defence Force members and Construction Loans designed to fund your dream home's build from the ground up.
Commercial Loans
Empowering businesses to grow, North Rocks Mortgage Solutions provides flexible financing options for purchasing, refinancing, or developing commercial properties. With a tailored approach, we help businesses of all sizes secure the financial tools they need to succeed.
SMSF Lending
Self-Managed Superannuation Funds (SMSFs) offer a unique opportunity for property investment. Our team provides specialised SMSF lending solutions, guiding you through regulatory requirements and securing the right loan product. We ensure your SMSF property investment aligns with your retirement strategy and complies with all laws.
