✳Who we help
Home loans for defence personnel & veterans
Brokers who have actually served. We understand DHOAS, HPAS, posting cycles and defence income — because both of our founders are veterans.
let’s talk it through
We’ve been where you are
Dwayne served in Afghanistan; Joel is a veteran of multiple tours. Deployments, postings and defence pay structures aren’t things we need explained — they’re things we plan around.
DHOAS, HPAS and defence schemes
We help serving and ex-serving members use their entitlements properly and pair them with the right lender — including how scheme rules interact with posting cycles and rent allowances. Scheme rules change; we verify them against the current Defence guidance for every file.
Building wealth beyond the uniform
Joel specialises in helping defence and ex-defence members build long-term wealth through property — structured from the first purchase so the second one is easier.
From our Google reviews
in their words
Rated 5.0 across 47 reviews — most of our growth comes from clients introducing their family and friends.
Highly recommend this team — Joel consistently continues to deliver time and time again… got me the best offer available each time. His cheerful personality gives you reassurance you are in safe hands.
Joel’s knowledge of defence benefits, grants, and entitlements was exceptional, and he took the time to explain everything clearly so we could make informed decisions. Thanks to Joel and his team, we are now in our first home, and we couldn’t recommend them highly enough.
Dwayne demonstrated a rare combination of deep industry knowledge, clear communication, and genuine care for his clients’ best interests. He worked tirelessly to secure the best possible rate and made what could have been a stressful process feel seamless and efficient.
✳The 60-second check
See where you stand
three taps, no strings
Are you currently serving?
3 quick taps — general information only.
✳Free download
The DHOAS starter pack
Entitlements, participating lenders, posting-cycle traps — the defence home-loan basics, straight to your inbox.
Email it to meSends a quick email to our team — a real person replies with the goods. No lists, no spam. See our privacy policy.
✳Common questions
Asked all the time
Can you work with DHOAS?
I get posted often. Does that hurt my application?
Do you help after discharge?
✳No jargon, no pressure
Talk it through with a broker who’s been there
Clear, simple advice from people who will do the work for you. A free 15-minute call is the easiest first step.
— Dwayne & Joel