Four steps from the first call to the money arriving, and what each one needs from you.
The same four steps, whichever option you choose.
No obligation
A straightforward chat in plain English, with you and anyone you would like involved. We ask about the home, your age, any loan still owing and what you are hoping to do. No pressure, no jargon.
Your goals, your options
We look at what you want to achieve and work out which option fits: the Pension Top-Up from Age Pension age, currently 67, or a Care Advance Loan, usually from 60. We set out what each could provide for your figures, including the effect on your pension.
Step by step
Our team is beside you from the first question to the last signature. We help with anything you need along the way, and help you prepare any documents the application calls for.
Your next chapter
The money arrives and your next chapter begins. We keep you informed at every stage until it does.
After the first call the journey depends on which option fits. Each has its own page with every step.
Before step 1, you can check what the Pension Top-Up could pay each fortnight and what a Care Advance Loan could offer, for your age and home. It takes about a minute.
Older Australians who own their home, and the families who support them. You might be planning ahead, or facing a decision this month.
You want to keep living at home with the support you need, and pay for it without selling the house.
A room deposit or daily fees are ahead, and you would rather the family home helped pay for them than be sold.
Your home is paid off, or close to it, and you want to use some of its value to live well, on your own terms.
A few things that help you plan, from who makes each decision to how long it usually takes.
We explain both options and see them through. For the Pension Top-Up, we prepare and lodge the application, and Services Australia makes the decision. For the Care Advance Loan, Care Advance assesses your application and lends. The choice to go ahead is always yours.
We give general information, not personal financial advice. Before you commit to anything that affects your home, get independent financial and legal advice. Services Australia's Financial Information Service is free.
Services Australia sets its own processing time and gives an estimated completion date when it receives an application. For a Care Advance Loan, the timing depends on the valuation and the legal advice. We keep you informed either way.
The first conversation is free, with no obligation.