
The Pension Boost HEAS Service
What is the Home Equity Access Scheme (HEAS)?
The Home Equity Access Scheme (HEAS), formerly known as the Pension Loan Scheme (PLS), is a loan issued by the Australian Government that allows Australian homeowners aged 67+ to boost their retirement income using the wealth in their home.
Pensioners and self-funded retirees can apply and, if eligible, could receive up to 150% of the Age Pension entitlement, less any Age Pension received.
The HEAS can be paid as fortnightly payments or as a lump sum, twice a year.
What is the Pension Boost Service?
The Household Capital Pension Boost service helps eligible Australians access their home wealth through the HEAS.
As specialists in the government scheme, we take care of the application process and remove the barriers that sometimes arise when dealing directly with Centrelink. Importantly, we keep you informed throughout the process.
The Pension Boost service costs $440 for pensioners or $660 for non-pensioners, payable when a HEAS application is lodged.
Unlock A Better Retirement

Improve your cash flow
Receive up to 150% of the maximum Age Pension (less any pension received)

Stay in your home
Avoid having to sell your home, downsize or relocate to a retirement home

Access specialist support
We take care of the application process and continue to review your entitlements
How A Household Loan Differs From The HEAS
- Capital
- Income stream
- Mortgage refinance
- Renovations
- Aged care RADs and DAPs
- Income stream or a capped lump sum advance payment
Application Service
What’s included?
- Personalised HEAS Report
- HEAS Specialist consultation
- Preparing your HEAS application form
- Lodging your HEAS application
- Tracking progress of your HEAS application
- Responding to Centrelink/DVA queries
- Reviewing your HEAS approval
What’s not included?
- Certificates of Title: $10 – $50 (per title)
- Postage and handling: $40
HEAS variations
- Variation of HEAS property security $330 (eg discharges, revaluations, transfers)
- Variation of HEAS payments $110
Get started today
Discover how much home wealth you could access with our online calculator
or book a call now

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Disclaimer: Comparison rate based on a secured loan of $150,000 over a 25 year term. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates.
Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. ^Amounts spent will be added to your Household Loan and accrue interest like any other funds drawn via your Household Loan.