{"id":2308,"date":"2022-03-01T06:43:00","date_gmt":"2022-02-28T19:43:00","guid":{"rendered":"https:\/\/onthecoastpublications.com.au\/onthecoastover55\/?p=2308"},"modified":"2025-08-06T12:08:11","modified_gmt":"2025-08-06T02:08:11","slug":"navigating-australian-dream-home-affects-age-pension-aged-care-fees-aged-care-specialist-central-coast","status":"publish","type":"post","link":"https:\/\/onthecoastpublications.com.au\/onthecoastover55\/navigating-australian-dream-home-affects-age-pension-aged-care-fees-aged-care-specialist-central-coast\/","title":{"rendered":"Navigating the Great Australian Dream: How Your Home Affects Age Pension and Aged Care Fees"},"content":{"rendered":"\n<p><strong>By Sophie Doyle, Retirement and Aged care specialist<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\"><a href=\"https:\/\/morgans.com.au\/contact\/Sophie-Doyle\">Sophie Doyle | Erina | Morgans<\/a><\/p>\n\n\n\n<p>It is the great Australian dream to own your own home. But how does your home affect your age pension or the aged care fees you can be asked to pay?<\/p>\n\n\n\n<p>Eligibility for an age pension and liability to pay aged care fees, are both impacted by your assets and income. This includes an assessment of where you live and your ownership status.<\/p>\n\n\n\n<p>The Centrelink (or Veterans\u2019 Affairs) assets test starts by identifying you as either a homeowner or a non\u2013homeowner. A higher threshold applies to non\u2013homeowners but homeowners receive an exemption for the home.<\/p>\n\n\n\n<p>At first glance it may seem simple to decide whether you are a homeowner or not, but it is not always that easy.<\/p>\n\n\n\n<p>The basic premise is:<\/p>\n\n\n\n<p><strong>If you live in a home that you and\/or your spouse own<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You are a homeowner &gt; Home is an exempt asset<\/li>\n<\/ul>\n\n\n\n<p><strong>If you live in a home that someone owns<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You are a non\u2013homeowner &gt; Lump sums paid for the right to live there might be an assessable asset<\/li>\n<\/ul>\n\n\n\n<p>But if only it really were that simple! Arrangements may be more complex and variations may apply for certain situations. In some cases, you may be considered a homeowner even if you don\u2019t own the home \u2013 for example under certain rules for aged care and retirement villages.<\/p>\n\n\n\n<p><strong>What is the exempt amount?<\/strong><\/p>\n\n\n\n<p>If you are classified as a homeowner, the building you live in will be an exempt asset, as well as up to two hectares of land (if that land is held for personal use). Farmers and people on rural properties may receive approval to exempt a greater parcel of land if they meet requirements for the 20\u2013year extended land\u2013use test rule.<\/p>\n\n\n\n<p><strong>What if you move out?<\/strong><\/p>\n\n\n\n<p>If you move out of your home, the former home usually becomes an investment property and is fully assessable at market value. Some specific exemptions include:<\/p>\n\n\n\n<p>Move to access care \u2013 you may continue to be a homeowner with the home exempt for up to two years<\/p>\n\n\n\n<p>Temporary move \u2013 in other cases, if the move is only temporary, you may be allowed a 12 month continuation of your homeowner status.<\/p>\n\n\n\n<p>Moving to a retirement village brings its own set of rules. This is considered to be a move to a new home rather than to access care. Whether you are a homeowner or not, will depend on how much you paid as your entry contribution and the former home is assessed as an investment property if still owned.<\/p>\n\n\n\n<p>If you sell your home, the sale proceeds are assessed depending on how they are used or invested unless you intend to use the sale proceeds to purchase or build a new home. In this case, you can continue to be a homeowner, with a continuing assets test exemption, for the first 12 months. Money used to pay the accommodation costs for residential aged care, is an exempt asset.<\/p>\n\n\n\n<p><strong>Talk to us<\/strong><\/p>\n\n\n\n<p>Buying a home or moving out of your home are major life decisions and can involve significant amounts of money. Access to advice can help to ensure that you make a fully informed decision and understand the impacts on your pension or aged care fees \u2013 mistakes are too costly to make.<\/p>\n\n\n\n<p>Accredited Aged Care Specialists, have the expertise to help you understand the full implications.<\/p>\n\n\n\n<p><strong>Sophie Doyle<\/strong> (AR#000470612) is an Aged Care Specialist at Morgans Financial Limited (Morgans AFSL 235410 \/ ABN49 010 669 726); she has a passion for assisting people make informed financial decisions, as they navigate their way through retirement and the aged care system. To contact Sophie phone 4325 0884 or 0488 521 844. Disclaimer: The information in this article is general advice only and does not take into account your particular circumstances. We recommend you see a financial adviser, registered tax agent or legal adviser before making any decisions based on this information. * Current at 1 October 2021.<\/p>\n","protected":false},"excerpt":{"rendered":"By Sophie Doyle, Retirement and Aged care specialist Sophie Doyle | Erina | Morgans It is the great Australian dream to own your own home. But how does your home&hellip;","protected":false},"author":1,"featured_media":2309,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"_lmt_disableupdate":"","_lmt_disable":"","episode_type":"audio","audio_file":"","cover_image":"","cover_image_id":"","duration":"","filesize":"","date_recorded":"","explicit":"","block":"","filesize_raw":"","footnotes":""},"categories":[116,39,77],"tags":[81],"series":[115],"class_list":["post-2308","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","category-lifestyle","category-retirement","tag-sophie-doyle","series-coffee-with-a-coastie"],"episode_featured_image":"https:\/\/onthecoastpublications.com.au\/onthecoastover55\/wp-content\/uploads\/sites\/3\/2022\/01\/elderly-man-glasses-busy-while-working-computer-home.jpg","episode_player_image":"https:\/\/onthecoastpublications.com.au\/onthecoastover55\/wp-content\/plugins\/seriously-simple-podcasting\/assets\/images\/no-album-art.png","download_link":"","player_link":"","audio_player":false,"episode_data":{"playerMode":"dark","subscribeUrls":{"apple_podcasts":{"key":"apple_podcasts","url":"","label":"Apple Podcasts","class":"apple_podcasts","icon":"apple-podcasts.png"},"stitcher":{"key":"stitcher","url":"","label":"Stitcher","class":"stitcher","icon":"stitcher.png"},"google_podcasts":{"key":"google_podcasts","url":"","label":"Google Podcasts","class":"google_podcasts","icon":"google-podcasts.png"},"spotify":{"key":"spotify","url":"","label":"Spotify","class":"spotify","icon":"spotify.png"}},"rssFeedUrl":"https:\/\/onthecoastpublications.com.au\/onthecoastover55\/feed\/podcast\/coffee-with-a-coastie","embedCode":"<blockquote class=\"wp-embedded-content\" data-secret=\"aXYUxfbjQE\"><a href=\"https:\/\/onthecoastpublications.com.au\/onthecoastover55\/navigating-australian-dream-home-affects-age-pension-aged-care-fees-aged-care-specialist-central-coast\/\">Navigating the Great Australian Dream: How Your Home Affects Age Pension and Aged Care Fees<\/a><\/blockquote><iframe sandbox=\"allow-scripts\" security=\"restricted\" src=\"https:\/\/onthecoastpublications.com.au\/onthecoastover55\/navigating-australian-dream-home-affects-age-pension-aged-care-fees-aged-care-specialist-central-coast\/embed\/#?secret=aXYUxfbjQE\" width=\"500\" height=\"350\" title=\"&#8220;Navigating the Great Australian Dream: How Your Home Affects Age Pension and Aged Care Fees&#8221; &#8212; On The Coast Over 55\" data-secret=\"aXYUxfbjQE\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\" class=\"wp-embedded-content\"><\/iframe><script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\n\/*! 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