For Serving & Former Australian Defence Force Members

Your Pay, Entitlements & Allowances Could Be Working Harder Than You Think

Spectrum helps ADF members turn Defence income into a clear property and finance plan - covering lending, property, tax and entitlements under one roof. No client fees. No guesswork.

Defence Life Is Different. Your Financial Advice Should Be Too.

You serve your country. You relocate when ordered. You manage postings, deployments, and a pay structure most brokers have never seen before.

And yet, when it comes to property and finance, most of the advice out there is built for civilians.

Generic brokers miss how allowances are assessed. They don’t understand DHOAS lender panels. They can’t structure a loan around your next posting. And they definitely can’t coordinate your lending, property strategy, tax position and Defence entitlements into one clear plan.

That’s where the confusion starts - and where good opportunities get left on the table.

If you’ve ever wondered whether you could be making smarter use of what Defence already gives you, you’re not alone. Most ADF members we speak with feel the same way before their first conversation with us.

This Is For

You If…

You’re a serving or former ADF member wondering if you can afford to buy or invest
You’re unsure whether to buy where you’re posted or invest somewhere else
You want to know how your DHOAS, HPAS, HPSEA or other entitlements actually work together
You’re earning good money but don’t have a clear plan for where it’s going
You’ve been told different things by different brokers and don’t know who to trust
You’re planning ahead - even if you’re not ready to act for 6 or 12 months
You want someone who actually understands postings, relocations and Defence pay

For further information or advice regarding your DHOAS eligibility please visit dhoas.gov.au

If even one of those sounds like you, it’s worth having a conversation.

How Spectrum Works

Three Simple Steps

Step 1: Apply Below

Fill out a short application so we can understand your situation. It takes less than two minutes and there’s zero obligation.

Step 2: Book Your Strategy Call

On the next page, you’ll choose a time that works for you. We’ll have a focused conversation about your goals, your Defence income, your entitlements and what’s realistic.

Step 3: Get Your Clear Plan

We’ll map out a personalised strategy covering your lending, property options, tax position and Defence entitlements - coordinated into one clear plan. No pressure. No fees.

What others are saying

★ ★ ★ ★ ★

We have used Spectrum since our very first property over a decade ago. We have now used them for multiple properties and refinances and they have always provided solid and trustworthy advice. They get great outcomes for us and are always prompt with answering questions and running different scenarios. They are very knowledgeable not just when it comes to to the usual processes but has additional expertise with ADF applications. Maria is my go to and has been absolutely excellent.

Gabby E

★ ★ ★ ★ ★

This is the second time I’ve worked with Reid and his team at Spectrum Mortgage Brokers, and once again I’m absolutely blown away! The first time, I wasn’t sure if I could make it happen, but Reid prepared a clear plan that kept me focused and helped me purchase within just a few months. Four years later, I returned to the team to stay motivated and on track — and we’ve successfully purchased again! Throughout the process, Reid and his team educated us, kept us informed, and guided us with genuine kindness and professionalism. Their support made what could have been stressful feel achievable and even enjoyable. I can’t recommend Reid and his team highly enough. We’re already looking forward to working with them again in the future!

Zara L

★ ★ ★ ★ ★

Maria and the team were friendly, savvy, and incredibly efficient. They found the best options for my circumstances and ensured everything progressed at a speed that meant I didn't miss out on a phenomenal rate! I couldn't recommend them enough - I'll definitely be going back for my future mortgage needs.

Gianni F

★ ★ ★ ★ ★

Thank you so much to Maria and Cindy for all your help with our first property purchase. You both made the process so easy and were always available to answer any queries we had, which was so important to us as first home buyers. I will be recommending you to any friends and family that embark on their property journey, truly amazing service!! Thank you again.

Olivia S

★ ★ ★ ★ ★

10 out of 10 every time - I honestly can’t rate Spectrum highly enough - Maria, Harry, Lucy and Cindy are absolutely incredible!!! I’ve financed multiple properties through Maria and the team, and their work-ethic, dedication and professionalism is absolutely outstanding every time. Even when dealing with highly-complex transactions involving multiple properties, parties and lenders all at once, if it can be financed, they’ll get it done. No matter what curly or weird questions I have put to them, the whole team always make the time to fully explain and inform me as to the pathways available, and are always super-responsive. I have seen Maria work miracles with banks, and pull crazy hours just to get my finance arranged. I honestly will never go anywhere else - Maria, Harry, Lucy and Cindy really are the A-Team.

Sammy P

★ ★ ★ ★ ★

As first home buyers, we honestly couldn’t have asked for a better mortgage broker than Maria and her assistant Cindy. They guided us through every step of the process with so much care, patience, and professionalism. Maria explained everything clearly and always made time for our questions, big or small. She made what could have been an overwhelming experience feel manageable and even exciting. Cindy was also amazing—super responsive and on top of everything, which gave us so much peace of mind. We are so grateful for their support and dedication. Thank you both for helping us buy our first home—we truly couldn’t have done it without you! We highly recommend Spectrum!!

Nicole T

★ ★ ★ ★ ★

Reid and his team are exceptional at what they do. Communication is always 10/10 and everyone on the team is very helpful and friendly. Spectrum were able to secure us very competitive mortgage rates. They had great market knowledge of areas for investment which we have capitalised on.

Jayden L

Not Sure Yet? That’s Completely Fine.

Most of the people we speak with aren’t ready to buy or invest straight away. That’s normal - and it’s exactly how we work.

“I’m not ready to buy yet.”

No problem. More than half the people we speak with are 6 to 12 months out. The best time to plan is now — so when you're ready, you can enter the property market on your own terms.

“I don’t know if I can afford it.”

That’s one of the most common things we hear - and it’s usually the first thing that changes after a conversation with us. ADF members often have more capacity than they expect.

“I’ve already spoken to a broker.”

Most brokers don’t specialise in Defence. If your previous broker didn’t talk about how your allowances are assessed, which lenders sit on the DHOAS panel, or how to structure a loan around your posting cycle - there may be a significant gap in the advice you received.

“Do I have to pay for this?”

No. Spectrum does not charge client fees. Our service is funded through lender commissions — and you'll receive the same, if not a better, interest rate than going to the bank directly. Specialist Defence support at no upfront cost.

If even one of those sounds like you, it’s worth having a conversation.

Trusted by the Defence Community Since 1982

Spectrum Financial Solutions has worked exclusively with Australian Defence Force members for over four decades.

We don’t dabble in Defence lending on the side. It’s all we do. Every loan we structure, every property strategy we build, every tax conversation we have - it’s designed around ADF life.