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Picture Book · Home Equity Access Scheme

There is a ceiling

Story pages

A couple in their seventies
Meet Nell and Bob. Nell is 70, Bob is 78.
A tall ladder leaning against a fruit tree
There's a most you can ever borrow, called the maximum loan amount.
A couple in their seventies measuring a garden bed together with a tape measure
It's worked out from the value of the property you offer as security and your age. For a couple, the younger partner's age is used.
A row of sunflowers of increasing height along a fence
The amount generally rises a little each year as you get older.
A garden tap turned off
Once the balance, including interest and costs, reaches the maximum, payments stop. You can also choose a lower limit.
A couple in their seventies sitting on a garden bench in front of their home
Nell and Bob set a lower limit so more equity stays in the home.

The end

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General advice warning. This picture book is general information only. It does not take into account your objectives, financial situation or needs, and it is not personal advice. Rules and thresholds change. Before acting, consider whether it is right for you, read any relevant Product Disclosure Statement and our Financial Services Guide, and seek personal advice. Past performance is not a reliable indicator of future performance.

Information as at 27 October 2026. Sources:

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