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Picture Book · Home Equity Access Scheme

Who can use it?

Story pages

A couple in their late sixties sitting on a back verandah with cups of coffee
Meet Doug and Pam. Doug is 68, Pam is 66, and they're wondering if the scheme is for them.
Two pairs of older hands resting together on a garden table
You need to be Age Pension age or older, or have a partner who is.
A neat brick home with a mown lawn and a jacaranda tree in a quiet suburban street
You need real estate in Australia you can offer as security. That can include the home you live in.
A man in his late sixties reading a book in a hammock under a shady tree
You don't have to be getting a pension. Self-funded retirees can apply too.
A couple in their late sixties signing papers together at a kitchen table
If you have a partner, they need to consent, even if they're not on the title. You also need to keep the property insured.
A woman in her mid sixties using a tablet on a couch
Services Australia has an eligibility calculator to check before applying.

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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Keep exploring: More home equity access scheme stories · All picture books · Age Pension what-if planner · Cost-of-living help for homeowners