Apply for a Hardship Certificate
Under the Resilient Retrofit and Home Raising programs, you will need to co-contribute on a dollar-for-dollar basis for works above the threshold amounts ($50,000 for Resilient Retrofit and $100,000 for Home Raising).
Please note, as co-contribution is not available under the expanded Home Raising program, including demolition, rebuild or relocate, you are unable to apply for a Hardship Certificate for these works.
In cases of genuine financial hardship, you can apply to have your co-contribution waived.
How to apply
- Submit your application for funding under the Resilient Homes Fund through the QRIDA portal. (note: you must lodge your funding application before you can submit your Hardship Certificate request)
- Check your eligibility for a Hardship Certificate
- Provide evidence of each registered homeowner’s eligibility
- Download and complete the Hardship Certificate application form
- Email your completed form and supporting evidence to RHF-HardshipRequests@epw.qld.gov.au.
We will email you if we need more information to assess your application. You can expect to hear the outcome of your application within 10 working days of submitting all required materials.
Contact the Resilient Homes Fund team by email RHF- HardshipRequests@epw.qld.gov.au or phone 13 QGOV (13 74 68) if you need help applying for a Hardship Certificate.
Eligibility criteria
To be eligible for a Hardship Certificate, all homeowners (as listed on the property title) must show evidence of meeting one of the following criteria:
- you are in a low-income bracket *
- you have a financial hardship agreement in place with your lender
- you are receiving or have one or the following:
- Age pension
- Carer Payment
- Disability Support Pension
- Job Seeker Payment
- Youth Allowance
- Parenting Payment Single
- Low Income Health Care Card
- Veteran Gold Card
- Commonwealth Seniors Health Care Card.
- other extenuating circumstances.
* Low-income is based on the National Rental Affordability Scheme (NRAS). It is assessed on the total income of all registered homeowners when lodging their RHF funding application.
Household income brackets
Income brackets for people living in the affected home.
Household type | Gross income limit |
---|---|
1 adult (no children) | $58,905 |
2 adults (no children) | $81,441 |
3 adults (no children) | $103,977 |
4 adults (no children) | $126,513 |
Sole parent with 1 child | $81,498 |
Sole parent with 2 children | $101,039 |
Sole parent with 3 children | $120,580 |
Couple with 1 child | $100,982 |
Couple with 2 children | $120,523 |
Couple with 3 children | $140,064 |
To calculate eligibility for other household types, use the following:
- First adult: $58,905
- First adult (if sole parent): $61,957
- Each additional adult: $22,536
- Each child: $19,541
Definitions
- Gross yearly income is the amount of money you receive before tax.
- Children are under 18 years old and financially dependent on you. If they are under 18 years old but financially independent, they are considered an adult.
Extenuating circumstances
To be eligible under the extenuating circumstance criteria, homeowners must be able to demonstrate that their circumstance is:
- outside of their control,
- can reasonably be considered to have been unforeseen, and
- can be shown to have a direct and significant impact on their ability to co-contribute to the costs to complete their resilience works.
Examples include:
- loss of employment (due to factors beyond their control)
- significant personal/family circumstances affecting their ongoing financial status (e.g. victims of crime or domestic and family violence etc.)
- serious illness significantly affecting financial situation.
Note: regular financial commitments are not considered extenuating or unforeseen circumstances.
Independent supporting evidence of your extenuating circumstance will need to be provided as part of your application.
Provide evidence
You must submit supporting documents for each homeowner, from the list below.
IMPORTANT: Homeowners must remove their Tax File Number (TFN) from all documents.
Criteria | Evidence required (provide as many as possible) |
---|---|
Household low-income |
|
Financial hardship agreement in place with lender |
|
Receive or have one of the following:
|
|
Extenuating circumstance |
Note: evidence must be provided to demonstrate how your circumstances meet the eligibility for ‘extenuating circumstances’. In particular, how your circumstance is:
|