DHOAS & Veteran Home Loans
Served or serving? You may be entitled to benefits you don't know about. We specialise in DHOAS home loans and understand Defence life, postings, deployments and all, because we've lived it.
Veteran owned & operated
Let's find the home loan that fits your life
Duty First Mortgages is a veteran-owned brokerage comparing 60+ lenders, Queensland-based and lending Australia-wide. Plain-English guidance from the first chat to settlement, and every step after.
Our service costs you nothing. Brokers are paid by the lender on settlement.
60+ lenders on our panel, one conversation
Lender logos shown are a sample of the panel. Accreditations current at July 2026.
What we do
Loans for every mission
Whatever the goal, we'll map the route and walk it with you. Every loan starts with a conversation, not a form.
First Home Buyers & Refinancing
From your very first place to a better deal on the one you have, we guide you step by step in plain English.
Investment & Construction Loans
Building wealth or building a home, we structure the lending to match the plan, progress payments included.
Debt Consolidation
Roll multiple repayments into one and give your budget room to breathe again.
Commercial Loans
Premises, equipment or working capital, finance that backs your business plans.
SMSF Loans
Property inside your super, with lenders who genuinely understand SMSF structures.
Personal & Car Loans
Quick, straightforward finance for the car, the caravan or life's in-betweens.
Se Habla Español
¿Prefiere hablar en español? Atendemos a nuestros clientes en inglés y español, desde la primera charla hasta la liquidación. Bilingual service, start to settlement.
Queensland-basedLending Australia-wide
Why a broker
Why use a mortgage broker?
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Expert guidance across 60+ lenders
One conversation opens up options across banks and lenders Australia-wide, and we'll search for the best rate available to you.
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We do the legwork
Paperwork, lender chasing, follow-ups and deadlines, all handled. You get your evenings back.
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Tailored to you
Your goals, your timeline, your situation. The loan should fit your life, not the other way around.
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No cost to you
We're paid by the lender on settlement. No hidden fees, and your interests always come first.
Our process
Seven steps, zero stress
You'll always know exactly where things are at. Here's how we get you from "thinking about it" to keys in hand.
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Initial chat
Over a call or a coffee, whatever suits you. We get to know you, your goals and what matters most.
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Fact-finding & documents
Share your details and documents through our secure portal. Easy, safe and sorted in one sitting.
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Loan research & options
We compare loans across 60+ lenders and bring back a shortlist that genuinely fits your situation.
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Application submission
We package your application properly the first time and submit it to your chosen lender.
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Lender assessment & approval
We track your application daily, answer the lender's questions and keep you posted the whole way.
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Loan docs & settlement prep
We help you review and sign your loan documents and coordinate with everyone involved.
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Settlement & beyond
You get the keys, and we don't disappear. We check in every six months to make sure your loan still fits.
Calculators
Run your own numbers
Twelve free calculators to explore your options before we chat. Play with the numbers as much as you like.
Repayments
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Amortisation
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Offset
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Stamp Duty
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Negative Gearing
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Free tools, no sign-up.
Reviews
What clients say
Real feedback from real settlements.
★★★★★
“Jason was super personal, easy to work with, and made the whole process feel straightforward from start to finish. Always responsive, transparent, and genuinely cared about getting the best outcome possible. Highly recommend to anyone wanting someone reliable and hardworking in their corner.”
ReggieGoogle review
★★★★★
“Jason from Duty First Mortgages was absolutely outstanding! His speed, communication, professionalism, and knowledge were second to none. He made the entire process smooth and stress-free, explaining everything clearly and ensuring I always felt informed and confident in each step. It’s rare to find someone so…”
PaulGoogle review
★★★★★
“Jason goes above and beyond for his clients. From the initial consultation to the final approval, he treats every stage with care, professionalism, and clear communication. I highly recommend him to anyone seeking a trustworthy and dedicated mortgage professional.”
MichelleGoogle review
★★★★★
“Jason from Duty First Mortgages has worked tirelessly on assisting our family to find the best homeloan option for us. The process has been straightforward and Jason has guided us every step of the way with absolutely outstanding professionalism. Thank you!”
DanielGoogle review
★★★★★
“We recently refinanced with Jason from Duty First Mortgages and we couldn't be happier with the service! Jason was very professional and punctual and kept us up to date every step of the way. It made the process stress free and got us a very competitive rate. Highly recommend using duty first mortgages.”
ChrisGoogle review
Latest updates
News worth a coffee break
Short, useful reads on the market, lending and making your money work harder.
Brisbane keeps building: what new supply means for buyers
Cranes are back on the skyline. Here's what the next wave of stock could mean for your buying plans.
Read more about Brisbane's new housing supply
Construction loans 101: how progress payments actually work
From slab to keys, your lender pays the builder in stages. We break down each draw in plain English.
Read more about construction loan progress payments
Five signs it's time for a home loan health check
If your loan is more than two years old, it's worth a look. These are the signals we watch for.
Read more about home loan health check signs
Free mortgage health check
When did you last check your home loan?
Life moves, and so does the market. A free mortgage health check takes one relaxed chat, and it costs you nothing.
Veteran owned & operated
Let's chat about your next move
Duty First Mortgages was started by an Australian Defence Force veteran. The name isn't a slogan, it's how we work: turn up, do the job properly, look after your people. That's what your home loan gets too.
Queensland-based and lending Australia-wide, in English y español. No pressure, no jargon, just an honest conversation about what's possible.