How to apply

Complete the following steps to apply under the Home Equity Access Scheme. Before you start, check if you're eligible.

Steps to apply under the Home Equity Access Scheme


    1. Get ready to apply

    The easiest way to apply is online.

    To apply online, you need a Centrelink online account linked to myGov. If you don’t have a myGov account or a Centrelink online account you’ll need to set them up.

    If you’re under Age Pension age, you need to qualify for Carer Payment or Disability Support Pension to qualify for the Home Equity Access Scheme. If you don’t already get one of these payments, you need to apply for one before you apply for the Home Equity Access Scheme.

    You’ll need to get some supporting documents ready to help answer some of the questions in the application.

    You may need to prove your identity with us before you start your application. If you have a partner, they may also need to prove their identity before you can submit your application.


    2. Make your claim

    If you can apply online

    If your Centrelink account is linked to myGov you can claim online.

    To do this:

    1. Sign in to myGov.
    2. Select Make a claim or view claim status, then Make a claim.
    3. Under Older Australians select Get started.
    4. Select Apply for a loan under the Home Equity Access Scheme and follow the prompts to complete your claim.

    Sign in to myGov

    If you can’t apply online

    If you can’t apply online, you can download and complete one of these forms:

    If you can’t access a form either:


    3. Track your application

    After you submit your application online, you’ll get a receipt telling you:

    • the ID number of your application
    • the date we estimate we’ll complete your application
    • a link to track its progress.

    To track the progress of your application online, sign in to myGov and select Make a claim or view claim status.

    Sign in to myGov

    You can also use the Express Plus Centrelink mobile app.

    If you don’t get electronic letters, we’ll send you a letter in the mail.

    We’ll ask you for more details if we need them.

    If you think we’ve made a mistake you can ask us to review our decision.

Page last updated: 21 March 2023.
QC 43566

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