The 2026 Homeowner Exemption & Downsizing Rules in Australia

#agepension2026 #centrelinkaustralia #downsizingaustralia
The 2026 Homeowner Exemption & Downsizing Rules in Australia.

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In this video, we break down everything you need to know about the 2026 Homeowner Exemption and Downsizing Rules — one of the most important (and most misunderstood) areas of Australian retirement law.

If you are thinking about selling your family home, or you have already sold and you are worried about what happens to your Age Pension, this video covers it all. We walk you through the exact rules, the deadlines, the traps, and the documents Centrelink needs from you.

WHAT YOU WILL LEARN IN THIS VIDEO:

✅ Why your principal home is exempt from the Centrelink Assets Test — and what happens the day you sell it
✅ The 24-month assets test exemption for home sale proceeds (updated for 2026)
✅ How to qualify for the full 36-month extension if your build or purchase is delayed
✅ The critical 14-day notification rule Robert got wrong — and how to avoid his mistake
✅ How deeming works on your sale proceeds under the Income Test (with a real $500,000 example)
✅ The exact documents you need to give Centrelink after settlement
✅ Three real Australian case studies — Susan, Robert, and the Millers
✅ The downsizer superannuation contribution explained simply

KEY 2026 FIGURES COVERED IN THIS VIDEO:

Full pension asset limit (single homeowner): $321,500
Full pension asset limit (homeowner couple): $481,500
Base exemption period (homes sold from 1 Jan 2023): 24 months
Maximum exemption period with extension: 36 months
Lower deeming rate (2026): 1.25%
Upper deeming rate (2026): 3.25%
Centrelink notification deadline after settlement: 14 days

00:00 — Introduction: The fear of losing your pension
01:00 — How the Assets Test works for homeowners
02:05 — The Principal Home Sale Proceeds Exemption explained
03:10 — The 24-month rule and how to qualify
04:20 — The 36-month extension: who gets it and why
05:30 — The Income Test and deeming on your sale proceeds
06:40 — Real case study: Susan did it right
07:50 — Real case study: Robert missed the 14-day rule
08:55 — Real case study: The Millers and the building delays
09:55 — Exact documents to give Centrelink
10:50 — The downsizer super contribution explained
11:30 — Summary and action steps
12:10 — Like, subscribe and final message

#retirementaustralia #sellyourhome #centrelinkhelp #agepensioneligibility #deemingrates #socialservicesaustralia #australianseniors #pensionupdate2026

Disclaimer: The content published on Pension Today AU is for general informational purposes only. This channel is not affiliated with Services Australia, Centrelink, or any government body. While we aim to provide accurate and up-to-date information, we make no representations or warranties of any kind regarding accuracy, reliability, or completeness. Viewers should refer to official government sources or seek professional advice before making financial decisions.

Видео The 2026 Homeowner Exemption & Downsizing Rules in Australia канала Pension Today AU