Free Government Bond Loan
Your state government offers a free, interest-free bond loan for eligible renters. As an HSS member, you are pre-qualified.
Typical HSS Upfront Costs
| Bond share (4 weeks) | e.g. $1,000/wk ÷ 4 tenants × 4 weeks | ~$1,000 |
| Rent in advance (2 weeks) | $250/wk × 2 weeks | ~$500 |
| HSS membership fee | $230 | |
| Total upfront | ~$1,730 | |
All States & Territories (except ACT)
Free government bond loan schemes exist in every state. Select your state below to see your scheme.
Why You Are Pre-Qualified
✓Australian citizen or permanent resident
✓Low income — Age Pension qualifies in every state
✓Minimal cash assets (typically under $5,000 required)
✓Not a property owner
✓Rent below 50% of income — HSS members pay ~30%
This is a government scheme operated independently of HSS. HSS does not provide financial products or advice.