Published: 20 March 2025
Eligible older Australians can apply for a voluntary, tax-free loan from us that’s secured against suitable Australian real estate.
If you’re of Age Pension age and are able to get a pension, you might be eligible for HEAS. You can choose to supplement your Age Pension, Carer Payment or Disability Support Pension with a tax-free loan. You can get payments each fortnight or ask for a lump sum advance payment.
We have calculators of how much you can borrow on our website or through your Centrelink online account.
Read more about the Home Equity Access Scheme.
This information was printed 29 March 2025 from https://www.servicesaustralia.gov.au/supplement-your-retirement-income-with-home-equity-access-scheme-heas. It may not include all of the relevant information on this topic. Please consider any relevant site notices at https://www.servicesaustralia.gov.au/site-notices when using this material.