Most useful information for retirement years

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  2. Job seekers

Understanding redundancy payments FIS video

Watch this video to find out what you need to consider if you get a redundancy payment.

  1. Top payments
  2. Financial Information Service

What the Financial Information Service is

The Financial Information Service helps you make informed decisions about your finances.

  1. Maximum loan amount
  2. Security for the loan

What you can use as security for a loan under the Home Equity Access Scheme

You can only use real estate in Australia as security for your Home Equity Access Scheme loan.

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

Home Equity Access Scheme advance payments

You can choose to get your loan under the Home Equity Access Scheme as a lump sum advance payment.

  1. Ageing
  2. Retirement years

Starting your retirement

We can help you apply for payments and services that can support you during retirement.

  1. Home Equity Access Scheme
  2. Who can get it

Qualifying pensions for the Home Equity Access Scheme

You must be eligible for a qualifying pension to access the Home Equity Access Scheme.

  1. How to manage your payment
  2. Change of circumstances

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.

Transitional rate of pension

The transitional rate started in 2009. It's for pensioners who would get a lower pension rate if we used the new income test.

  1. How much you can get
  2. Maximum loan amount

Security for Home Equity Access Scheme loans

Your security for the Home Equity Access Scheme loan is the equity you have in Australian real estate.

  1. Home Equity Access Scheme
  2. How to manage your loan

Repay your loan under the Home Equity Access Scheme

You can repay the loan you get under the Home Equity Access Scheme in part or full at any time.

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Page last updated: 17 November 2025.
QC 60146