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Defence Member and Family Support

For ADF members and their families

1800 624 608

Financial information for Defence families

The ADF Financial Services Consumer Council provides independent, professional financial education (not advice) to ADF members and their families. Visit the the council's website to find information and videos about managing your finances, planning around deployment and creating budgets. You can also sign up for a monthly newsletter.

Financial assistance

In cases of short-term financial difficulties or emergencies, ADF members can access loans, grants or welfare services through their Service's Relief Trust Fund. These are the:

Contact the member's unit for more information.

The Defence Force Welfare Association also has a trust fund for the welfare of ADF members and families who are experiencing hardship.

Home ownership assistance

The Defence Home Ownership Assistance Scheme helps ADF members to achieve home ownership by offering eligible members subsidy payments toward the interest incurred on a home loan.

For more information, visit the website or call 1300 4 DHOAS (1300 434 627). The website also contains information on other Defence allowances available, such as the Home Purchase Assistance Scheme and Home Purchase and Sale Expense Allowance.

Salary packaging

Salary packaging allows Defence employees to restructure their income, allowing them to buy a range of items or services out of their pre-tax rather than after-tax salary, which can mean saving a good chunk of money.

Items that can be salary packaged include airline lounge membership, motor vehicles for private use by way of a novated lease or associate lease, childcare at Defence and Commonwealth child care facilities, laptop and notebook computers, uniforms and more.

For further information visit the Smartsalary website and use the employer code ADO.

Pay and conditions

Information about pay, entitlements and conditions of service can be found in the ADF Pay and Conditions.

Fringe benefits tax

Some of the assistance and services provided by DMFS will attract Fringe Benefits Tax, or FBT, for the ADF member. FBT is paid on certain benefits the ADF member receives as an employee of Defence.

FBT can affect your tax concessions or government benefits (such as the Family Tax Benefit or the Childcare Subsidy). 

We strongly recommend that you seek independent financial advice to see what effect FBT will have on your tax and benefits before undertaking any of our support services that attract FBT.

You can view a video on Understanding Fringe Benefits Tax or find more information on the ADF Financial Services Consumer Council site.