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Guide to Bond Loans and Rental Grants

Bond Loan and Rental Grant eligibility

Check your eligibility

Am I eligible for a Bond Loan?

To be eligible, all of the following conditions must be met.

  • You’re not currently living in the property for which the bond is needed.
  • You’re an Australian citizen, permanent resident, or have a temporary protection or bridging visa.
  • You don’t own, or part-own:
    • a residential property
    • a caravan, mobile home or live-aboard boat permanently connected to household utilities.
  • You have less than $2500 in cash or savings between all the Bond Loan applicants (not including dependents).
  • You don’t have any outstanding debts with the department.
  • You choose a property where the rent does not exceed 60% of the total gross weekly income of all applicants listed on the application.
  • You meet the current income limits

Am I eligible for a Rental Grant?

To be eligible, you must meet all of the above conditions for a bond loan and cannot have received a Rental Grant before.

You must also meet 1 of the following conditions:

  • you stayed more than 28 continuous days in a homelessness service (e.g. emergency housing or a women's shelter), or in accommodation arranged by a homelessness service, and apply for the Rental Grant within 3 months of leaving
  • you have left a correctional facility after staying at least 28 days, and apply for the Rental Grant within 3 months of leaving
  • you have left a hospital or health facility within the last 3 months, stayed there for at least 28 days, and apply for the Rental Grant within 3 months of leaving
  • you are leaving a child protection service
  • you or a member of your household is escaping domestic and family violence
  • you are homeless or at risk of becoming homeless
  • you are leaving a community-based rent scheme in Queensland to move into private rental accommodation, and apply for the Rental Grant within 14 days of leaving.

Applicants under the age of 18 or suffering from domestic violence should phone Housing Services on 13 QGOV (13 74 68).

Income limits for Bond Loans and Rental Grants

To be eligible, the combined gross (before-tax) income of all applicants cannot be more than the limits shown below.

The combined gross income:

  • includes all forms of income received by each applicant. For example, wages, income support payments from Centrelink and the Department of Veteran’s Affairs, Family Tax Benefit payments, Youth Allowance, other Centrelink special purpose payments and income from investments.
  • Does not include these Department of Veteran Affairs payments:
    • Veterans' Affairs Total and Permanent Impairment Disability Pensions, and
    • Military Rehabilitation and Compensation Act Special (Special Rate) Payments
  • should not include the income of dependent children under 18 years or any benefits paid to children living with their parent(s).

Higher income limits apply in specific resource (mining) communities.

Applicants under the age of 18 should phone Housing Services on 13 QGOV (13 74 68) for more information.

Weekly income (before tax)*

Type of household

$609

Single person, no children

$755

Single person with 1 child

Couple, no children

2 single people

$877

Single person with 2 children

Couple with 1 child

Couple and single person

2 single people and 1 child

3 single people

$999

Single person with 3 or more children

Couple with 2 children

3 single people and 1 child

2 single people and 2 children

4 single people

1 couple, 1 single person, 1 child

$1121

Couple with 3 or more children

1 couple, 1 single person, and 2 or more children

2 couples, 1 or more children

5 single people

Other households with 5 or more people including 2 adults

*How much you can earn in a week and still be eligible for a Bond Loan

More information

For more information on Bond Loan eligibility:

In this guide:

  1. Bond Loan and Rental Grant eligibility
  2. How to apply
  3. After you have applied
  4. Repaying your Bond Loan or Bond Loan Plus
  5. Existing Bond Loans