Boost your retirement with the Home Equity Access Scheme (HEAS) to unlock a better life

Try our HEAS calculator to see how much you could boost your retirement income by


What is the Home Equity Access Scheme (HEAS)?

The HEAS is an Australian Government loan offering that allows seniors to boost their retirement income by unlocking the equity from their property. Both Aged Pensioners and self-funded retirees can apply, and below are the three key features you need to know if you're approved.


You only need to pay back to loan when you either sell or move out of your home.


The HEAS loan is secured against your property and increases by your payment + interest each fortnight


The HEAS pays fortnightly, just like the Age Pension and you can receive up to 150% of the full Age Pension entitlement less your Age Pension.

How Pension Boost and the HEAS can help you

  • Receive More Cashflow

    Receive up to 150% of the maximum Age Pension (less whatever age pension you receive - even if its zilch)

  • Keep Your Home

    Avoid having to sell your home and downsize.

  • Access Specialist Support

    We take care of the entire application process and continue to review your entitlements

In the Media

With positive changes being made over the last few years and new changes announced in the 2021 Federal Budget and by the Minister in December 2021, the HEAS has become a more viable option for seniors to unlock a better retirement. Keep up-to-date with what's in the media about the government Scheme and Pension Boost.