Published: 13 August 2025
Frequent relocations are part of defence life. To ease the burden when buying or selling a home on posting, the government provides the Home Purchase or Sale Expenses Allowance.
HPSEA reimburses eligible expenses such as legal fees, stamp duty, agent commissions and some inspection costs that arise from a compulsory move. The allowance is tax‑free and aims to prevent service members from being out of pocket when the ADF requires a relocation.
To qualify you generally must have been posted to a new location and either sell your former principal residence or purchase a new one within the required timeframe. The rules specify maximum amounts for each type of cost and certain items like renovations are excluded.
The claims process involves submitting receipts and evidence of the posting. Because there are strict deadlines, keeping detailed records from the start of the transaction is essential. Lodging early allows time to supply any additional information Defence may request.
HPSEA can be used alongside other entitlements like DHOAS or relocation assistance. Coordinating these benefits with your loan structure can minimise the cash you need upfront and protect your savings when the next posting comes.
Before making financial decisions, check the latest Defence pay and conditions and seek professional advice. Policies evolve, and an informed strategy can turn your frequent moves into opportunities to build long‑term wealth.