Most useful information for retirement years

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  1. Home Equity Access Scheme
  2. How to apply

Supporting documents for the Home Equity Access Scheme

When applying for the Home Equity Access Scheme loan, you’ll need to give us some supporting documents. If you don’t, we can’t assess your application.

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

Travel outside Australia rules for a Commonwealth Seniors Health Card

There are rules about how long your Commonwealth Seniors Health Card remains current when you travel outside Australia.

  1. Retirement years
  2. Most useful information

Request for ophthalmologist/optometrist report form (SA013)

Use this form if you are claiming Age Pension or Disability Support Pension on the basis of permanent blindness.

  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. Retirement years
  2. Most useful information

Home Equity Access Scheme variation form (SA497)

Use this form to make changes to your or your partner’s Home Equity Access Scheme if you’re not registered for online services.

  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. What FIS information you can watch online
  2. Income and assets

FIS selling the family home video

Watch this video to learn more about how selling the family home can affect your payment.

  1. Age Pension
  2. How much you can get

Income and assets from outside Australia can affect your Age Pension

If you or your partner get income from, or have assets outside Australia, this could affect your Age Pension.

  1. Home Equity Access Scheme
  2. How much you can get

Maximum loan amount under the Home Equity Access Scheme

The maximum loan amount (MLA) is the most you can borrow through the Home Equity Access Scheme. We can’t pay you any more once your loan balance reaches your MLA.

Payment schedule and rates for people outside Australia

We’ll pay your pension differently if you live outside Australia on a permanent or long term basis.

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Page last updated: 17 November 2025.
QC 60146