- Top payments
- Home Equity Access Scheme
How much you can get under the Home Equity Access Scheme
The loan payments you get under the Home Equity Access Scheme depend on if you get a pension or not.
- Maximum loan amount
- Security for the loan
When you have to pay costs for security for a loan under the Home Equity Access Scheme
You’ll be responsible for some of the costs involved with managing your Home Equity Access Scheme loan.
- Home Equity Access Scheme
- How much you can get
Interest rate for loans under the Home Equity Access Scheme
We charge an annual interest rate of 3.95% that compounds each fortnight on the Home Equity Access Scheme loan balance.
Payment schedule and rates for people outside Australia
We will pay your pension differently if you live outside Australia on a permanent or long-term basis.
- Maximum loan amount
- Security for the loan
What circumstances affect property value
Some circumstances may affect the value of the property you use as security for your Home Equity Access Scheme loan.
- How to manage your payment
- Travel outside Australia
When and how to tell us about overseas travel if you get Age Pension
When you get Age Pension, you may need to tell us if you’re leaving Australia.
- Commonwealth Seniors Health Card
- Who can get it
Benefits of a Commonwealth Seniors Health Card
You can get cheaper medical costs with a Commonwealth Seniors Health Card (CSHC).
Transitional rate of pension
The transitional rate started in 2009. It's for pensioners who would get a lower pension rate if we used the new income test.
- How much you can get
- Choosing your loan payments
Maximum rate of pension for a loan under the Home Equity Access Scheme
The maximum pension rate we use for a Home Equity Access Scheme loan includes any supplements you get.
- Home Equity Access Scheme
- How much you can get
Choosing your loan payments under the Home Equity Access Scheme
You can choose the amount of the loan you get under the Home Equity Access Scheme.