Work Bonus if you don’t work
If you don’t work you still accrue a bonus.
What to do before you apply under the Home Equity Access Scheme
There are things you need to think about before applying for the Home Equity Access Scheme.
Your Age Pension after your partner dies
When your partner dies, we need to reassess your income and assets. To stay eligible for Age Pension you need to meet the thresholds as a single person.
Work Bonus and your partner’s income
Your partner’s assessable income may also change with the Work Bonus.
Overdrawn bank account
You can get help to access your money if you have an overdrawn bank account.
Qualifying pensions for the Home Equity Access Scheme
You must be eligible for a qualifying pension to access the Home Equity Access Scheme.
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.
Work Bonus if you work
If you work, we’ll apply your Work Bonus balance to offset your Work Bonus eligible income. We’ll do this before we apply the income test.
Financial services when thinking about retirement
When you're thinking about retirement, we have financial services and payment options that may help you.
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.