Financial assistance

We offer many different rebates and concessions to help you manage your finances. These include discounts on your electricity, water, rates, home, health, transport and travel.

Planning your budget

A budget is a simple way to keep track of your money. It may help you save for upcoming bills or unplanned expenses.

View our interactive budget planner.

No Interest Loan Scheme

If you are on a low income and have a Centrelink Concession Card, the No Interest Loans Scheme (NILS) provides interest free loans of up to $1200. The program provides access to fair, safe and equitable credit to help you buy essential goods and services such as furniture, white goods, health aids or education costs.

For more information contact your nearest NILS provider.

Pensions and senior concessions

You may be eligible to receive:

• the Age Pension
• a Pensioner Concession Card
• a Queensland Seniors Card
• a pension or compensation from the Department of Veteran's Affairs.

Rent or mortgage assistance

You may be eligible for rent or mortgage assistance through:

• mortgage relief loans
• the No Interest Loan Scheme (see above)
• rental grants
• rental bond loans
• Centrelink’s Rent Assistance Scheme.

Financial advice

Financial counsellors can provide you with advice about your finances, which may include:

• assessing your financial position
• choosing products to suit your financial position and needs
• identifying your financial goals
• helping you with decisions about how to better use your money.

Financial and emotional support

If you are out of work, financial and emotional support is available from these community organisations:

• Australian Red Cross
• beyondblue (emotional support only)
• Lifeline
• St Vincent de Paul
• Salvation Army

Cost of living support

Find out what cost of living assistance is available.

Helpful resources

• Centrelink’s Financial Information Service
• High school allowances for your child
• UnitingCare financial counselling