Resources and Referral Services

Image by Michael Longmire

Mortgage Relief Loan for Financial Hardship

Government home loans and assistance

If you’re having trouble securing a home loan through traditional means, there are some government programs that might help you achieve your property goals.

The Queensland Housing Finance Loan is a low deposit home loan to help eligible Queenslanders build or buy a home. The loan has variable or fixed rate options, and requires only a 2% deposit with no LMI. It also carries no monthly account keeping fees.  The loan is structured to help borrowers meet their repayments. Rather than calculating repayments solely on loan size, term and interest rates, the Queensland Housing Finance Loan also takes into account borrowers’ income. Initial monthly repayments start at 30% of the borrower’s income, and will not exceed 35% of their income.

home keys

Competitive Insurance for Low Income Earners

Insurance Agent
Cowboy Items

Competitive Single Item Inurance

Good to Go Now Whitegoods Loan for Low income Earners

Image by Adi Goldstein
Image by James Dimas

SETUP Loan for Low Income Earners

Good for Money Loan for Low Income Earners

Image by Hao Pan
Image by Nik Shuliahin

Free Financial Counselling

 

ATO Fuel Tax Credit

Fuel tax credits provide you with a credit for the fuel tax (excise or customs duty) included in the price of fuel.

If you are not registered, or not required to be registered, for goods and services tax (GST) you may be eligible to claim fuel tax credits for fuel used to:

  • generate domestic electricity - for your home, house or household use

  • operate emergency vehicles or vessels – if you are a non-profit organisation.

Before you can claim fuel tax credits you must register. When you have registered, we will send you a fuel tax credit claim form.

Car Fuel
Utility Pole

One off Emergency Assistance for paying your Home Energy Bill

For Lease Sign

Rental Bond Loans and Rental Grants for Low Income Earners

Attribution — Please us the link to the license, and no changes have been made. There is no monetary gain by advertising the services provided by the listed organisations.  RCSS is promoting the organisation through linking the community to their website and the licensor does not endorse the SWMCP for the use.  © Commonwealth of Australia

Attribution — Please us the link to the license, and no changes have been made. There is no monetary gain by advertising the services provided by the listed organisations.  SWMCP is promoting the organisation through linking the community to their website and the licensor does not endorse the RCSS for the use.

No Interest Loan Scheme (NILS)

The no interest  loan scheme offers people on low incomes safe, fair and affordable loans for fridges, washing machines and furniture, as well as education and medical expenses.  To be eligible for NILS you must have a healthcare or pension card, earn under $45,000, have lived in your current residence for three months, and have a willingness and capacity to repay the loan. There are no credit checks.

Another option:

Advance Payment

You may get part of your income support payment or Family Tax Benefit (Part A) early. This is an advance payment that you can apply for through your Services Australia Payment. You pay it back later out of your payments from Services Australia.

Businessman holding briefcase, close up

Annuity.org

Investing in a Business

Taking a leap of faith to pursue your small business dream takes courage — and cash. So before you leap, project your start-up and ongoing operational costs and learn all the state and municipal regulations that will affect you. Stay focused on the right growth factors, such as identifying when you can expect significant profits. Designing a business plan with achievable goals will enable you to measure progress and celebrate successes.