DHOAS Mortgage Payments: The Reality No One Explains

Most ADF members focus on borrowing capacity. But the real question is: can you actually service the loan? In this Morning Brief segment, Robbie and Ryan break down the real cost of buying your own home using DHOAS and why many Defence members experience “buying shock” when they see the numbers. When you move out of service housing, weekly housing costs can jump dramatically. From around $350 per week in subsidised accommodation to close to $1,000 per week on a typical mortgage. This video explains: • How borrowing capacity actually works • The 4 forces of lending (capital, credit, conditions, capacity) • Why loan servicing matters more than borrowing power • The financial reality behind DHOAS loans • Why many successful ADF investors choose to rent and invest first Understanding this concept can completely change how you approach property. If you're in the ADF and considering buying your own home, this is a conversation you need to hear.