Supporting documents

When applying for the Home Equity Access Scheme loan, you’ll need to give us some supporting documents. If you don’t, we can’t assess your application.

Before 1 January 2022, the scheme was called the Pension Loans Scheme.

Why you need to give us documents

As you complete your application, we’ll ask you to provide information and certain supporting documents. We need supporting documents to confirm information you give us in your application. We can’t assess your application without them. We may also ask you for more details after you submit your application.

What documents you must give us

We’ll tell you which information and documents you must give us before you can submit your online application. We list the documents you have to provide in the required task list.

If you complete a paper application, we’ll tell you next to the question what information or document we need.

You must give us documents we ask you for, before or when you submit your application. They’ll help us prove any of the following:

  • your age and identity
  • your partner’s details, if you have one
  • your bank account details
  • your tax file number
  • proof of your Australian residence, if you’ve lived outside Australia.

If you’ve already provided these, you may not need to do so again. We’ll tell you what we need.

We may ask you to bring those documents to prove your identity to a service centre. Keep in mind, we must confirm your identity before you can submit an application.

If required, you need to provide these documents before you can submit your application for a loan. We can’t start assessing your application without them. Having them ready will help you finish your application and not delay the process. Call the Older Australians line if you’re not sure which documents you need to provide.

What documents you may need to give us

Which documents we may need depends on your circumstances. We’ll tell you in the application which documents you must give us.

Circumstances Example documents
Relationships You may need to give us separation details.
Residence details if you've lived outside Australia

You may need to give us any of these:

  • visa information
  • citizenship details
  • the date you became an Australian citizen
  • the dates you lived in other countries.
Real estate details

You may need to give us:

  • loan agreements, contracts and most recent mortgage statements
  • recent title search and latest rate notice for each property offered as security
  • authority to inspect the property for valuation purposes
  • insurance agreements
  • the company constitution or trust deed if a company or trust own the property
  • compensation and damages form.

We may also need declarations from the other party if you're using real estate that is either:

  • co-owned with a third party other than your partner
  • owned by an Individual or Corporate Trust or private company.

When we may need documents after you apply

After you apply, we’ll assess your circumstances. If we need more information, we’ll ask you for it. We’ll send a letter to your myGov inbox if you have one. If you don’t, we’ll send you this request in the mail.

If this happens, we’ll put your application on hold while we wait for the information.

You need to provide the documents we request within 14 days. If you don’t, we may reject your application. Call the Older Australians line if you’re having trouble providing the information we ask for.

We may review your loan each year. If we do we’ll ask you to complete the Pension Loan Scheme annual review form.

How to submit your documents

You can upload documents in your Centrelink online account or the Express Plus Centrelink mobile app.

Read how to submit your Centrelink documents online.

You can also give them to us by mail or at a service centre.

Page last updated: 1 January 2022