Mrs Smith was receiving a pension but was unable to find the funds to complete home repairs such as replacing a faulty hot water system and fixing her leaking roof.

The rising price of putting fuel in her car and a general increase in living costs meant that while still able to make ends meet, Mrs Smith was having to sacrifice some of life’s little luxuries such as coffee with friends and meals out.

The Solution: A lump sum payment to cover home repairs and to replace eroded savings and lifes little luxuries such as coffee with friends and meals out.

The Solution: A lump sum payment of $25,000 to cover home repairs and to replace eroded savings and monthly instalment of $350 per month over the next 10 years to supplement her pension.

Centrelink Effect: Mrs Smith retained her full pension.

Result: Happy customer with no ongoing money worries

Mr Jones

Mr Jones was on a waiting list to have a hip replacement, he was in his early 70’s and had been advised to expect a 3 year wait. A friend of Mr Jones had recently used a Reverse Mortgage to fund a round the world trip which coincidentally cost about the same as a hip replacement. Mr Jones thought(quite rightly) that if somebody would give his friend money for travel, then surely a new hip was not out of the question.

The Solution: Mr Jones was provided with a lump sum to cover the cost of the hip replacement and funds to cover associated expenses.

Centrelink Effect : As most of the money was spent straight away there was no effect on the Jones’s pensions.

Result: Mr Jones is walking better and has avoided three years of pain & worry.

Mr & Mrs Holiday

Mr & Mrs Holiday where retired but had spent the bulk of their superannuation and savings on medical bills as Mrs Holiday had had some quite serious health problems. Mr & Mrs Holiday still wanted to travel but needed to travel in relative comfort.

The Solution: Mr & Mrs Holiday were provide with $80,000 lump sum to purchase a custom built motor home and monthly instalments of $400 per month to help cover fuel and caravan park fees.

Centrelink Effect: As Mr & Mrs Holiday had no other assets other than the family home, the motor home did not effect their pension. Monthly instalments are not treated as income by Centrelink and therefore had no effect.

Result: Mr & Mrs Holiday are on the best sort of holiday, the one that never ends.