---
title: "Home Equity Access Scheme, Australia-wide · unclaimd"
description: "A government loan for people of Age Pension age who own property, paid each fortnight or as lump sums. Up to 150% of the maximum pension rate a fortnight, including any pension. Check the conditions…"
url: "https://unclaimd.org/support/national-home-equity-access/"
---

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[Seniors & carers](https://unclaimd.org/support/seniors-carers/) / [Australia-wide](https://unclaimd.org/support/australia/)

# Home Equity Access Scheme

A government loan for people of Age Pension age who own property, paid each fortnight or as lump sums.

- Support available: Up to 150% of the maximum pension rate a fortnight, including any pension
- Type of support: Loan

[Visit official site](https://www.servicesaustralia.gov.au/home-equity-access-scheme)

Opens servicesaustralia.gov.au, the official site.

unclaimd never asks for your myGov sign-in or bank details. The official site may ask for them, so check the address ends in .gov.au first. [How to stay safe](https://unclaimd.org/help/stay-safe/)

## What you need to check

This is a loan, not a gift. You use your home or other Australian property as security, and pay it back with interest (3.95% a year) and legal costs. You or your partner must be Age Pension age and get, or qualify for, a pension. This includes people who qualify but get no pension because their income or assets are too high. Your property must be properly insured. The loan is not taxed, and a no negative equity guarantee applies.

This is a short summary. Other rules may apply, like income or where you live. Check the full rules with the agency that runs it.

**Read in Easy English**

### What it is

- This is a loan from the government.
- It is not a gift. You must pay it back.
- You pay 3.95% a year to have the loan.
- You can get it every two weeks, or as a bigger amount at once.

### Who can get it

- You or your partner must be 67 or older.
- You must own a home or land in Australia.
- You must get a pension, or be able to get one.
- Your home must be insured.

### What to do

- Read the rules on the official website.
- Apply there. It is free to apply.

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## About this source

We last reviewed this listing on 5 Nov 2026. We last checked the official page on 5 Nov 2026.

Our automatic check only sees whether the page is there or has changed. It is not a check of the rules.

## How to apply

Read the full rules and apply through the official government website.

[Visit official site](https://www.servicesaustralia.gov.au/home-equity-access-scheme)

www.servicesaustralia.gov.au

unclaimd never asks for your myGov sign-in or bank details. The official site may ask for them, so check the address ends in .gov.au first. [How to stay safe](https://unclaimd.org/help/stay-safe/)

unclaimd can’t approve a claim or apply for you.

[Report a problem with this listing](https://unclaimd.org/contact/?topic=listing&program=national-home-equity-access#contact)

---

unclaimd lists possible matches and leads to check, not eligibility decisions. Only the government agency decides. Check the rules and apply on the official government site.

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