By Graham Howatt Armed Forces Federation

In a recent edition of Navy News, the Federation drew attention to what we see as policy shortcomings regarding members purchasing a “suitable own home” in a posting location.

This article provides more food for thought in regard to equity and greater support for the ADF homeowner/occupier.

The ADF is well recognised as a mobile force and most members are provided with accommodation assistance in various forms to assist them meeting regular relocation obligations associated with such mobile employment.

Members who choose to purchase and occupy their own home are assisted by the Home Purchase Assistance Scheme (HPAS) for initial purchase.

Subsequent assistance for the home owner/ occupier is available through the Home Purchase Sales and Expense Allowance (HPSEA) for sale and purchase as a consequence of reposting.

Eligible members may also access either the Defence Service Home Loan ($25,000) or the Defence HomeOwner Scheme ($80,000).

Conditions apply to each. ArFFA members can also access our discounted $250,000 home loan. This is all good stuff and should continue. However, apart from HPAS (fully taxed at source) and HPSEA upon reposting (if applicable) there is no fortnightly financial assistance available.

When comparing this to the amount of subsidised rental associated with members occupying a Service Residence or Living-In Accommodation and the amounts paid to those in receipt of Rental Allowance (RA), it raises serious questions in regard to overall remuneration equity in the ADF.

Depending on your point of view, the home owner/occupier, in the longer term, is being short-changed and the Federation suggests ADF management give serious thought to the introduction of fortnightly assistance to these members.

Our solution would be to provide an allowance that would equate to what they would have received if in a RA situation. Such a concept is not new and has been debated many times during housing and remuneration reviews in the past without progress.

That said, the Federation wishes to make it quite clear we are not suggesting for one minute that existing housing entitlements be “cashed out”.

We are simply suggesting a new category be added to the range of choices.

The ADF Census 2003 determined 17 per cent of ADF members are home owner/ occupiers and there would be a price tag attached if the ADF were to accept our suggestion. On the up side, such initiative would greatly assist the ADF with attraction and retention, raise its profile as an employer of choice and encourage members to enter the housing market.

And, by taking the long-term view, assisting ADF members to be more self-reliant now could potentially stimulate the economy.

The Federation would welcome comments on our proposal prior to taking this up further with the appropriate authorities.

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