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Work homepage
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Overview
We can help you get ready to apply and find the right job for you. We can even help you while you're working.
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Get ready to work
You can get training, help with CVs and cover letters, and advice for job interviews.
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Find jobs
Find out what jobs are available, which job is best for you and how you can plan your career.
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Working
Whether you've just started a job or need some help at work, we've got your back.
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Lost your job
We'll help you get ready to find a new job and support you while you're between jobs.
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Start your own business
Get help to plan and set up a successful business or be a self-employed contractor.
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Benefits and payments homepage
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Overview
Take a look at the range of benefits and payments we have available.
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Not working
Redundancy, health condition or disability or another reason you can’t work
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Living expenses
Food, school costs, power, accommodation or other living expenses you need help with
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Relationship changes
You’ve had a relationship break-up, family breakdown or violent relationship end
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Health and Disability
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Seniors
Travelling overseas, how to apply, payment rates and dates, overseas pensions, income and other info for Seniors
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Caring
Caring for someone else’s child or someone with a health condition, injury or disability
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Urgent or unexpected costs
Dental, glasses, car repairs, fridge, washing machine, funeral or other urgent costs you need help with
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Children
Childcare, school uniforms, stationery, having a baby and other costs if you have children
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Moving to New Zealand
Payments you can get from us, settling into NZ, overseas pensions and more.
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Benefits and forms
A-Z list of benefits, forms, benefit rates
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On a benefit homepage
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Overview
Check out what you need to do when you're getting a benefit or other payment from us.
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Something's changed
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Income
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Childcare
Change in your childcare situation, continue childcare payments, cohort entry schools and other childcare information
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Going overseas
Travelling or moving overseas may affect your payments.
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Re-apply, review or renew
Re-apply for a payment, review circumstances, renew medical certificate and more
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Payments
Check or stop your payments, payment cards and other information
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Debt
Check your debt, repayments and other debt information
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Rights and responsibilities
Our commitment to you, obligations, complaints, benefit fraud and more
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Housing homepage
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Overview
Find out how we can help you with housing.
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Nowhere to stay
Get help if you have nowhere to stay right now.
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Find a house
Find out where to look for private housing, or apply for public (social) housing.
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Living in your home
Get help with accommodation costs, and advice on any housing issues and public housing tenancies.
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Moving house
Find out how we can help if you’re moving house.
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Other languages
Read some of our housing information in other languages.
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loginHome equity conversion scheme lump sum
Lump sum payments from a home equity conversion scheme don't need to be declared as income. But if you get Accommodation Supplement, Temporary Additional Support or Special Benefit you do need to tell us about it.
What is this?
A one-off payment (also known as a reverse mortgage) that lets you borrow against your home to pay for major expenses, eg:
- a new car
- house repairs or maintenance
- a holiday
- a medical operation.
How it affects your benefit and allowances
You have to tell us about this payment if you:
- get Accommodation Supplement, Temporary Additional Support or Special Benefit
- invest the money you get and earn interest, this will be counted as income
- don't use the payment for major expenses, but everyday goods and services
- get regular home equity conversion payments.
Contact
ContactIf you need more information or want to discuss this in more detail contact us