DHOAS Lenders May Change in 2026: What ADF Members Should Know Now

What's Happening with DHOAS Lenders?

The Department of Defence periodically reviews the panel of lenders approved to offer DHOAS-subsidised home loans. In 2026, this review could result in lenders being added, removed, or having their terms adjusted.

For serving ADF members, this isn't just an administrative change — it can directly affect:

• Which lenders you can access DHOAS subsidies through
• The loan products available to you
• Your borrowing power and serviceability calculations
• Refinancing options on existing DHOAS loans

Why This Matters for Your Property Strategy

If you're currently using DHOAS or planning to, the lender panel review is something you should be across. Here's why:

1. Your Current Lender May Not Stay on the Panel

If your existing DHOAS lender is removed from the panel, your current loan arrangements should remain in place — but future DHOAS claims on that loan may be affected. Understanding your options early gives you time to plan.

2. New Lenders May Offer Better Terms

A refreshed panel could introduce lenders with more competitive rates, better loan features, or more flexible serviceability criteria. This could open up opportunities that weren't previously available.

3. Refinancing Windows May Shift

If you've been considering refinancing to a better rate while keeping your DHOAS subsidy, the timing of any panel changes matters. Acting before a review — or strategically waiting — could save you thousands.

What Should You Do Now?

Whether you're a first-time buyer using DHOAS or an experienced investor with multiple DHOAS-backed loans, here are the steps to take:

• Review your current loan: Understand your rate, features, and how DHOAS is applied to your repayments.
• Check your DHOAS entitlement: Know how much subsidy you have remaining and how it's being utilised.
• Talk to a DHOAS-savvy broker: Not all brokers understand the nuances of DHOAS lending. Work with someone who does.
• Consider your next move: If you're planning to buy or refinance, factor in the potential panel changes when timing your decision.

How Firm Foundations Property Can Help

At Firm Foundations Property, we specialise in helping ADF members navigate the intersection of Defence entitlements and property investment strategy. We work with DHOAS-accredited brokers and understand how these subsidies fit into a broader wealth-building plan.

If you're unsure how potential lender panel changes could affect your situation, we can help you assess your position and plan accordingly.

For a comprehensive overview of how DHOAS works and how to maximise your entitlements, read our Complete DHOAS Guide.