Home' Army News : February 17th 2010 Contents • Extractors
• Performance Exhausts
• Standard Mufflers &
• Shocks & Suspension
• Car Servicing
• Road Worthy Certificate
44 Pickering St
Ph: 3355 3455
'we'll beat any price'
Army February 17, 2011
ON THE eve of my CRA from
Army, I want to convey to all who
I have served with in the Army and
particularly the RAA over the past
40 years my personal thanks for the
experience of serving with you dur-
ing that time.
There is no one single person
who I can specifically thank or
acknowledge during my career who
has guided, cajoled or directed me
to be the person I am now.
Everyone who I have served with
has contributed to my life in Army
in some way, be that in a large or
small way. I wish to thank you all
I wish to acknowledge all those
who are now serving in Army, for
their ongoing contributions to the
defence and welfare of those who
are less fortunate than we are here in
It is a very busy and demanding
time for you and your families and
I wish you all well for the future,
whatever it may bring.
Maj Colin Wardrop
Land Warfare Development Centre
I DO not recieve any form of rent
assistance as I live in my own home.
My wife and I could not apply for
a defence loan while my wife was
employed because we had a mortgage
that was fixed for four years.
Now at the completion of our
fixed term we do not meet the service
requirements for a NAB loan (more
give, less take) under the Defence
Home Ownership Assistance Scheme
(DHOAS) as we have had a child and
my wife is on unpaid maternity leave.
Naturally we would appreciate the
extra $485 a month provided under the
DHOAS-NAB Defence loan.
However, NAB decided that we
would not be able to afford this dis-
counted rate on the one income. More
give, maybe to their executive staff.
Why does Defence only offer
DHOAS through the three providers?
I will tell you. Defence receives tales
for these loans, almost bankrolling
the entire DHOAS to the detriment
of many soldiers who have had long-
term banking arrangements with non-
DHOAS approved providers.
Also, why are soldiers being forced
to live in the vicinity of Liverpool?
Defence RA policy for members
unfortunate enough to work in the
vicinity of Liverpool is the expectation
that they will live in this area.
However, many of the members
employed in this region decide to live
away from this area for their own safe-
ty and the safety of their families.
Members at the rank of corporal
posted outside the Liverpool area are
offered a rental ceiling of $580 a week.
Those working inside the region
that is Liverpool receive a mere $466
a week but elect to often rent in the
same suburbs as those posted to
Victoria Barracks, Mosman, Randwick
or other prestigious posting localities.
Could a set rate be developed for
all members posted to the Sydney
basin -- if not for fairness then for the
safety of members and families?
It has been said far too many times,
only to land on deaf ears. Why don't
we have a set housing allowance for
anyone who lives off base?
It is the logical solution, only it
may possibly cost the government a
portion more -- leaving soldiers in a
situation where it is more beneficial to
rent somebody else's house than to live
the Australian dream.
2 Cdo Regt
Lt-Col Martin McKone, SO1 Personnel
WHILE I can understand the issues
you have, I will respond by pro-
viding the reasons Defence offers
a range of support mechanisms
referred to in your letter, noting I
have consulted with Directorate
Relocations and Housing in drafting
There is no hiding behind the fact
that not every policy supports every
individual's needs, as it is simply not
possible to provide such a range of
assistance in the current financial
environment. However, the products
that Defence provides cater for the
majority of our people. This is part of
the overall conditions of service pack-
age and it is designed to allow indi-
viduals to make an informed choice.
Defence will not change the provid-
ers or increase the number of provid-
ers of the Defence Home Ownership
Assistance Scheme at this stage. The
Commonwealth Government agreed to
the structure of the DHOAS, including
the appointment of a panel of home-
loan providers, which came into effect
through the implementation of the
Defence Home Ownership Assistance
Scheme Act 2008.
The home-loan provider panel was
conducted as a two-phase competitive
tender process open to all financial
institutions, although not all institu-
tions tendered for the panel. The selec-
tion process for home-loan providers
was conducted in accordance with the
requirements of the Commonwealth
Procurement Guidelines and the val-
ue-for-money principle. The current
contracts with each of the home loan
providers are up for review at the end
of the 2012-13 financial year.
While some ADF members may be
disappointed with the home-loan pro-
viders available under the DHOAS, the
number of lenders and the structure of
the scheme provide a balance between
the benefit to the maximum number of
members and value for money to the
Commonwealth. Opening membership
of the panel to more financial institu-
tions would increase the cost of admin-
istering the scheme, and erode the ben-
efits available to eligible members.
With regards to your assertion
that Defence receives tales (or com-
missions) for these loans and almost
bankrolling the entire DHOAS, you are
grossly misinformed. While the home-
loan providers pay Defence a commis-
sion on DHOAS loans that have been
drawn down, this commission is then
returned to Commonwealth consoli-
dated revenue. That is, it is returned
to the Commonwealth as required
under the Financial Management and
Accountability Act and does not pro-
vide a revenue stream for Defence.
Turning to the second part of your
letter regarding soldiers being forced
to live in the vicinity of Liverpool.
Soldiers live in Liverpool because this
can't please all
is in their posting locality for deter-
mining access to entitlements. No sol-
dier is forced to live in this region.
If a soldier does not want to live in
Liverpool, they do not have to use the
housing assistance Defence provides.
It becomes a matter of individual
choice and an acceptance of finan-
cial affordability, which is a reality
for all Australians and not just us in
the ADF. Defence housing assistance
aims to reduce the hardships caused
by the need to move location regu-
larly or at short notice. It is general
practice to provide this housing assis-
tance in the posting locality, unless
the member has left a family behind
and gone Member With Dependant
Unaccompanied, at which point we
assess the posting locality to include
where the member's family is residing.
Defence recognises that our people
want choice in their housing options
and this is reflected in the current
Housing Strategy 2009-2029. In line
with this choice, individuals can elect
to reside outside their posting loca-
tion if they decide that a particular
location is more desirable. In doing
so, an acceptance of reality must be
applied when the rental market in
these regions is significantly different
to the posted locality.
Defence does not support a set
housing allowance for personnel liv-
ing off base. Defence already provides
a significant subsidy with the provi-
sion of suitable housing and other
subsidies such as rental assistance.
The individual choice of a person to
seek greater benefits than their peers
should not be at the detriment of other
Defence personnel who would have to
have their overall contributions signif-
icantly increased to fund an individual
choice scheme that you are proposing.
Great Aussie dream: Defence housing assistance aims to cater for the
majority of personnel, but may not suit all individual circumstances.
Fond farewell at the end of career
HAVE YOUR SAY
Email letters to
All letter writers must
include their name,
unit, location and
Links Archive February 3rd 2011 March 3rd 2011 Navigation Previous Page Next Page