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ADF Loans
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    ADF Loans

    At LendLink, we’re proud to support the men and women who serve—and have served—in the Australian Defence Force (ADF). We understand the unique challenges that come with a defence career, from frequent relocations and deployments to lifestyle changes that can impact your financial planning. That’s why we offer specialised ADF loans tailored to meet your needs.

    Our ADF loan services are designed to provide flexibility, affordability, and long-term security, helping you and your family achieve the dream of homeownership.

    ADF Home Loan Benefits

    1
    Tailored to accommodate relocations, deployments, and lifestyle shifts.
    2
    Combine your loan with the Defence Home Ownership Assistance Scheme for government subsidies on repayments.
    3
    We compare multiple lenders to secure the most favourable terms.
    4
    Assistance doesn’t stop at service—we also help former ADF members.
    4
    Clear advice on how to maximise benefits and structure your loan effectively.

    Why ADF Members Need Specialised Home Loan Solutions?

    At LendLink, we understand these challenges and work with lenders who recognise the service and sacrifice of defence personnel, ensuring you get a loan that truly fits your circumstances.

    Relocations & Postings – Frequent moves can affect long-term planning.
    Deployments – Income structures and overseas service can complicate standard loan approvals.
    Lifestyle Adjustments – Career demands may impact borrowing capacity and flexibility.
    Hassle-Free Process – We handle the paperwork, negotiations, and follow-ups so you don’t have to.
    Ongoing Support – Our relationship doesn’t end at settlement—we’re here to review and optimise your loan in the future.

    Our Process

    1
    We listen to your goals and assess your borrowing capacity.
    2
    We research lenders and recommend the best loan for you.
    3
    We prepare and lodge your application, managing all communication.
    4
    Once approved, we support you through settlement and provide ongoing reviews to keep you on track.

    Frequently Asked Question

    1. Who is eligible for ADF loans?
    Current serving ADF members, veterans, and in many cases, reservists may qualify.
    2. What is DHOAS?
    The Defence Home Ownership Assistance Scheme (DHOAS) is a government initiative that provides subsidies on home loan repayments for eligible ADF members.
    3. Can I use DHOAS with any lender?
    No, only participating lenders are approved. At LendLink, we’ll connect you with lenders who are DHOAS-compliant.
    4. Do ADF loans require a deposit?
    Yes, though some lenders offer reduced deposit requirements for ADF members. We’ll guide you through available options.
    5. Can veterans access ADF loans?
    Yes. Former ADF members may still be eligible for DHOAS subsidies and tailored loan solutions.
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