Most useful information for retirement years

The pages voted most useful by other website visitors.

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  1. Home Equity Access Scheme
  2. How to manage your loan

Change of circumstances for loans under the Home Equity Access Scheme

You must tell us if any of your circumstances change when you have a loan under the Home Equity Access Scheme.

  1. Retirement years
  2. During retirement

Australian Pension News

Information for people living outside Australia who get a Centrelink payment. We publish Australian Pension News once a year in October.

  1. Retirement years
  2. Most useful information

Home Equity Access Scheme partnered application form (SA310)

Use this form if you have a partner and are applying for loan payments under the Home Equity Access Scheme.

  1. Commonwealth Seniors Health Card
  2. How to manage your card

Change of circumstances when you hold a Commonwealth Seniors Health Card

We need to know about changes that could stop you from having a Commonwealth Seniors Health Card.

  1. Maximum loan amount
  2. 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.

  1. Home Equity Access Scheme
  2. 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.

  1. Retirement years
  2. Most useful information

Authorising a person or organisation to enquire or act on your behalf (outside Australia) form (AUS221)

Use this form if you want to nominate a person or organisation outside Australia to act on your behalf with Centrelink.

  1. How to manage your payment
  2. Reviews

Proof of Life compliance reviews if you’re older than 80 and live overseas

If you’re older than 80 and live outside Australia you may need to complete a Proof of Life Certificate form.

  1. Financial Information Service
  2. What FIS information you can watch online

FIS aged care information online

We have information online to help you understand aged care requirements.

  1. How much you can get
  2. Maximum loan amount

Security for Home Equity Access Scheme loans

Your security for the Home Equity Access Scheme loan is the equity you have in Australian real estate.

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Page last updated: 17 November 2025.
QC 60146