Discover Buyers Agency

Discover Buyers Agency Real Estate

When the property market changes, good market selection becomes even more important.Headlines and sentiment might tell y...
22/09/2026

When the property market changes, good market selection becomes even more important.

Headlines and sentiment might tell you the Australian property market is slowing, but Australia isn't one single market. Different suburbs can perform very differently depending on affordability, supply, demand and where they sit in the property cycle.

In this episode of the Defence Property Podcast, Kane sits down with Mat from HTAG to discuss why investors need to look beyond the headlines and use data to make more informed decisions.

Inside this episode:
• Why market sentiment doesn't tell the full story
• How affordability and supply scarcity can reveal opportunities
• Why Australia should be viewed as thousands of individual markets
• How data can help remove emotion from investment decisions
• Why borderless investing can open up stronger opportunities
• Why market selection matters even more when growth slows

You don't need to find the one perfect suburb. You need a strategy that uses the right data to identify stronger opportunities and reduce unnecessary risk.

👉 Swipe through
👉 Listen to the full episode

▶️ Watch on YouTube
🎧 Listen on Spotify or Apple Podcasts

🌐 Visit the Discover Buyers Agency website

22/09/2026

Should you delay buying a property while waiting for potential changes to the DHOAS lender panel?

If you're ready to purchase now, waiting solely for possible future changes may not make sense.

The panel available today gives you the options you can actually assess and act on now.

But if buying is still 3, 6 or 12 months away, it's worth keeping an eye on how the scheme evolves.

A larger lender panel could potentially mean:

• More lender choice
• Greater competition
• Broader lending policies
• More options for Defence borrowers

The important thing is not to put a suitable property strategy on hold based purely on what *might* change.

Work with the options available when you're ready to buy, while staying informed about developments that could benefit you in the future.

Follow for more Defence property insights.

▶️ Watch the full episode on our YouTube channel
https://www.youtube.com/

🎧 Listen on Spotify & Apple Podcasts

🌐 Learn more
https://discoverbuyersagency.com.au

22/09/2026

Same Property Price. Completely Different Growth Potential.

Two properties can have the same price tag but tell very different investment stories.

Price alone doesn’t tell you whether a market has strong growth potential.

That’s why we look deeper at:
✅ Long-term market performance
✅ Where the suburb sits in its property cycle
✅ Supply and scarcity
✅ Increasing buyer demand
✅ How current growth compares with historical trends

Past performance alone isn’t enough to predict what happens next. The goal is to understand the data behind a market and identify where the fundamentals support future growth.

Follow for more property insights ✅

Book a FREE Discovery Call 📞
🔗 https://discoverbuyersagency.com.au/

21/09/2026

Already have a DHOAS home loan?

It may still be worth keeping an eye on your refinancing options.

If the DHOAS lender panel expands, existing borrowers could potentially have more lenders to compare — and that may create opportunities to find a more competitive interest rate or a loan that better suits their circumstances.

The process can depend on the property.

If you're still living in the DHOAS-supported home, refinancing may be more straightforward.

If you've moved out after meeting the relevant occupancy requirements and the property is now an investment, the refinancing process may be more complex.

That's why scheme knowledge matters.

Consider speaking with a lender or mortgage broker who understands DHOAS and the circumstances of serving and former ADF members before making a move.

Your DHOAS loan doesn't necessarily have to be "set and forget."

Follow for more Defence property insights.

▶️ Watch the full episode on our YouTube channel
https://www.youtube.com/

🎧 Listen on Spotify & Apple Podcasts

🌐 Learn more
https://discoverbuyersagency.com.au

19/09/2026

Could more lenders on the DHOAS panel help Defence members get into the property market sooner?

It's not just about creating more competition on interest rates.

Different lenders can have different credit policies and ways of assessing a borrower's financial position.

For property investors, that can include how a lender assesses existing debts, rental income and your overall borrowing position as your portfolio grows.

The challenge with a limited DHOAS lender panel is that Defence members — and the brokers helping them — have fewer options to work with.

A broader lender panel could potentially mean:

• More competition
• Greater choice between lending policies
• More loan options
• Better opportunities to find a lender that suits your circumstances

For Defence members and veterans planning to use DHOAS as part of a broader property strategy, greater lender choice could make a meaningful difference.

Follow for more Defence property insights.

▶️ Watch the full episode on our YouTube channel
https://www.youtube.com/

🎧 Listen on Spotify & Apple Podcasts

🌐 Learn more
https://discoverbuyersagency.com.au

18/09/2026

Could more lenders on the DHOAS panel mean better options for Defence members?

At the time this episode was recorded, the DHOAS lender panel was limited to three providers.

That matters because fewer lenders can mean less competition when Defence members compare their home loan options.

If the lender panel expands in the future, greater competition could potentially give eligible borrowers more choice across interest rates, loan features and service.

It could also give mortgage brokers more options when helping Defence members find a loan that suits their circumstances.

The key point?

Don't look at the DHOAS subsidy in isolation. The underlying home loan still matters.

Interest rates, fees, features, borrowing strategy and lender choice can all affect whether the overall deal works for you.

Follow for more Defence property insights.

▶️ Watch the full episode on our YouTube channel
https://www.youtube.com/

🎧 Listen on Spotify & Apple Podcasts

🌐 Learn more
https://discoverbuyersagency.com.au

18/09/2026

Planning to save your DHOAS entitlement until after leaving full-time Defence?

Your transition plan matters.

There can be an important difference between continuing to serve in the Reserves and completely separating from Defence.

As discussed in this episode, continuing eligible Reserve service can allow you to keep accumulating DHOAS service credit and retain more flexibility around applying for an entitlement certificate.

For members who completely separate, the rules around accessing DHOAS after leaving can be more restrictive.

That's why you don't want to apply for a certificate without a clear plan for actually using it.

Before applying, consider speaking with your lender or broker, understanding your borrowing position and having a clear property strategy.

If DHOAS is part of your post-Defence plans, understand the rules and timing before you separate.

Follow for more Defence property insights.

▶️ Watch the full episode on our YouTube channel
https://www.youtube.com/

🎧 Listen on Spotify & Apple Podcasts

🌐 Learn more
https://discoverbuyersagency.com.au

17/09/2026

Jump on and listen to The Defence Property Podcadt, it’s on Spotify and Apple podcast

Property strategy for ADF members isn't one-size-fits-all.Your postings, Defence entitlements, career plans and long-ter...
16/09/2026

Property strategy for ADF members isn't one-size-fits-all.

Your postings, Defence entitlements, career plans and long-term goals can all influence when, where and how you buy.

In this episode of the Defence Property Podcast, Kane and Nadia answer some of the most common property questions they hear from serving members and unpack what ADF members should consider in 2026.

Inside this episode:
• Why rentvesting can be a strong strategy while serving
• What to know about potential DHOAS changes
• How HPAS can support an owner-occupier purchase
• Why a DHA lease alone doesn't make a property a good investment
• Common mistakes ADF members make when buying property
• How to plan around postings and eventually transitioning out

The key isn't simply using every entitlement as soon as you're eligible. It's understanding when to use them, when not to, and how each decision fits into your broader property strategy.

👉 Swipe through
👉 Listen to the full episode

▶️ Watch on YouTube
🎧 Listen on Spotify or Apple Podcasts

🌐 Visit the Discover Buyers Agency website

16/09/2026

Qualifying for DHOAS doesn't necessarily mean you need to use it straight away.

Timing matters.

Consider two Defence members who both want to own property.

One uses DHOAS as soon as they're eligible and buys a home to live in.

The other continues renting while receiving Rent Assistance, buys an investment property elsewhere and preserves DHOAS for a future owner-occupied purchase.

Both own property — but they're using their Defence entitlements differently.

The key is to look beyond the immediate subsidy and consider the bigger picture: your posting cycle, property strategy, investment goals and the potential value of the entitlements available to you over your career.

There's no single strategy that suits every Defence member, but understanding your options early can help you make a more informed decision.

Follow for more Defence property insights.

▶️ Watch the full episode on our YouTube channel
https://www.youtube.com/

🎧 Listen on Spotify & Apple Podcasts

🌐 Learn more
https://discoverbuyersagency.com.au

Address

Coorong Street, Coomera
Gold Coast, QLD
4209

Telephone

+61475060945

Website

Alerts

Be the first to know and let us send you an email when Discover Buyers Agency posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Discover Buyers Agency:

Shortcuts

Featured

Share

Category