Do both partners have to sign SA310?

Yes. Members of a couple must make a joint decision about the loan, and the form must be signed and dated by both partners even if only one of you is applying for payments.

How is the loan repaid?

You can repay part or all of the loan at any time. Otherwise the outstanding balance is recovered when the secured real estate is sold, or from your estate after death, in some cases after the death of a surviving partner. Compound interest accrues fortnightly until the balance is cleared.

Can I get advance payments under the scheme?

You can request up to 2 advance payments in any 26 fortnight period. An advance brings forward future instalments, is added to your loan balance, accrues interest, and can reduce your fortnightly payments for the following 26 fortnights.

Can I manage the loan online after it starts?

Yes. You can view the loan, request statements or advances, and change or stop payments through your Centrelink online account in myGov. If you cannot use online services, the variation form SA497 covers changes on paper.

Is this the current version of the form?

This page reflects revision SA310.2302. Services Australia updates its forms from time to time, so confirm you have the current version on servicesaustralia.gov.au before you lodge.

Social Security

Fill Out Form SA310 Online

Home Equity Access Scheme Application (Partnered)

Services Australia

Applies for the Home Equity Access Scheme voluntary loan through Services Australia for members of a couple.

Reviewed July 2026

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Form SA310 is the Services Australia application for couples who want to receive loan payments under the Home Equity Access Scheme. The scheme is a voluntary arrangement that pays a non taxable government loan in fortnightly instalments, secured against Australian real estate you or your partner own. Before January 2022 it was known as the Pension Loans Scheme. Single applicants use a different form, the Home Equity Access Scheme single application (SA496).

You can fill out SA310 directly in the Universal PDF editor. Type your answers into each question, work through the property and declaration parts that apply to you, then download the completed PDF so you and your partner can print, sign, and lodge it with your supporting documents.

What is Form SA310 used for

SA310 applies for fortnightly loan payments, and optionally advance payments, under the Home Equity Access Scheme. The loan is repayable to the Commonwealth, and compound interest is charged on the outstanding balance each fortnight. Repayment is secured by a caveat or charge that the Commonwealth registers over the real estate you nominate.

Payments continue until your loan balance reaches your Maximum Loan Amount, which is worked out from age and the value of your equity in Australian real estate. You can nominate a lower maximum, exclude an amount of equity from the calculation, and choose between a maximum rate, a percentage, or a fixed fortnightly amount. Your combined loan and pension each fortnight cannot exceed one and a half times your maximum pension rate. A No Negative Equity Guarantee can limit what has to be repaid when the secured property is sold, subject to the scheme conditions.

Who applies with Form SA310

This version of the application is for members of a couple. You or your partner must be of Age Pension age, and you must get or qualify for Age Pension, Disability Support Pension, or Carer Payment. You do not need to pass the pension income or assets test to be eligible for the loan itself.

Applicants also need equity in Australian real estate that can be offered as security, adequate insurance over that property, and must not be bankrupt or subject to a personal insolvency agreement. You must be in Australia on the day you lodge. Couples have to make a joint decision to apply, and both partners sign the form even when only one is applying. People who get Age Pension from the Department of Veterans' Affairs lodge this form with DVA instead.

How to fill out Form SA310

The application pairs several pages of notes, including the scheme terms and conditions, with the question booklet. Read the notes first, then work through the form:

Confirm you have a partner and that you both understand and accept the terms and conditions set out in the notes.
Provide personal details for you and your partner, including Customer Reference Numbers and residence information.
Choose your fortnightly loan rate, either the maximum, a percentage, or a fixed amount, and request any advance payment.
Nominate the real estate offered as security, with title details, ownership, insurance, and permission for the property to be inspected and valued.
Have any third party co-owners, trustees, or company directors complete the witnessed declarations in Parts C to F where they apply.
Provide bank account details, then sign and date Part A. Both partners must sign by hand after printing.

How to submit it

Return the signed application and all supporting documents together. You can upload them through your Centrelink online account, post them to Services Australia, Seniors Services, PO Box 7808, Canberra BC ACT 2610, or lodge them at a service centre. Lodging an incomplete document set can delay the application.

Services Australia encourages online applications through myGov where possible, and publishes an eligibility calculator and loan estimator for the scheme on servicesaustralia.gov.au. Seeking independent legal or financial advice before applying is recommended by the agency itself.

Frequently asked questions

No. SA310 is the partnered application. Single applicants use the Home Equity Access Scheme single application (SA496), available on servicesaustralia.gov.au.

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This form is reproduced from official Australian Government sources, © Commonwealth of Australia, and where applicable is used under a Creative Commons Attribution licence. Universal PDF is not affiliated with or endorsed by any Australian government body; always confirm you have the current version on the official site.