As a leading debt management and relief company in Australia, Revive Financial recognises the financial hurdles many face in New South Wales. While we primarily assist individuals in managing and overcoming debt, we also understand the importance of accessing various forms of free financial assistance.
Just for you, we've put together a list of free financial support services. Whether it's help with housing or managing everyday costs, our goal is to provide you with the state-based resources available to help you achieve financial stability.
Free Financial Counselling
If money troubles are weighing you down, free financial counselling is available. This service is offered by skilled financial counsellors through various community organisations. They're here to give you the guidance, support, and practical advice you need to sort out your finances.
These counsellors know all about the financial aid that's available locally throughout the state. Whether it's debt, bills, or budgeting advice you need, they're there to help you out. To find a Financial Counsellor near you, check out this website and type in your suburb or postcode.
Free Financial Assistance in New South Wales for Essential Goods & Services
If you're in NSW and finding it tough to cover the costs of day-to-day needs, the No Interest Loan Scheme (NILS) might be just what you need. It's there to help folks with lower incomes get what they need, like household goods or car repairs, without the stress of interest.
With NILS, you could borrow up to $2,000 for things you really need. And if it's for your home or dealing with the aftermath of a natural disaster, you can qualify for up to $3,000. It's all about giving you a bit of a cushion so you can get essential goods and services without the extra worry. To see if you can get this help, check your eligibility and learn more about NILS here.
Rental Assistance
Living in NSW and struggling with rent or needing a hand to secure a new rental place? The government might have something for you, with a bunch of programs to help out in different situations, making sure you've got access to various housing solutions.
Rent Choice Subsidy
Rent Choice is a targeted subsidy aimed at supporting individuals who find themselves in difficult situations, offering rental assistance for up to three years. Eligibility for this subsidy extends to those who have experienced significant financial setbacks such as job loss or illness, are escaping domestic and family violence, are war veterans, or young people aged 16 to 24 facing homelessness or the risk of it. See the 6 Rent Choice products that are offered to eligible individuals at this website.
Rentstart Bond Loan
The Rentstart Bond Loan program provides an interest-free loan to cover the full or partial amount of the rental bond required when moving into private rental accommodation. This initiative is designed to ease the upfront financial burden for eligible applicants, facilitating smoother transitions into new homes. Check eligibility and more details at this website.
Advance Rent for Rentstart Recipients
Advance Rent provides a grant for clients moving into non-traditional rentals such as caravan parks or boarding houses, where a bond isn't typically required. This grant is available to those receiving a Rentstart Bond Loan or in accommodations where a bond isn't applicable, covering key money or deposits. Importantly, this grant does not need to be repaid. Check eligibility and more details at this website.
Tenancy Assistance
Tenancy Assistance is designed to provide financial aid covering up to four weeks of unpaid rent and/or water charges. This program serves as a safety net for tenants facing temporary financial challenges, helping to prevent eviction risks and maintain housing stability. Support is available once per 12-month period. Check eligibility and more details at this website.
Bond Extra Program
The Bond Extra program helps those struggling to enter the private rental market by offering landlords and agents up to $1,500 to cover extra costs beyond the rental bond. This incentive, effective for up to 12 months, aims to ease concerns about rental arrears and property damage, encouraging the acceptance of tenants who can sustain a tenancy but face market barriers. Check eligibility and more details at this website.
Private Rental Brokerage Service
For clients with complex needs, the Private Rental Brokerage service offers personalised assistance to help find and retain private rental accommodation. This service provides one-to-one support, addressing the unique challenges faced by these clients in the rental market. Check eligibility and more details at this website.
Each of these programs has specific eligibility criteria, generally requiring applicants to be Australian citizens or permanent residents, and residents of New South Wales. For more detailed information on these programs, including how to apply, visit the Service NSW website.
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Assistance for Energy Bills
The Energy Accounts Payment Assistance Scheme (EAPA) supports New South Wales households experiencing difficulty in paying their electricity or natural gas bills due to unforeseen emergencies or short-term financial hardship. The scheme provides assistance to help cover energy bills, offering up to $1,600 annually. For more information or on details for how to apply click here.
For a full list of concessions, rebates and assistance, follow the link to this website.
Food Assistance
For those in New South Wales dealing with food insecurity, AskIzzy offers a critical link to essential services. This website provides connections to housing help, financial assistance, and food relief, among other support. AskIzzy can guide you to local food banks, community kitchens, and emergency food services, ensuring you find the help you need efficiently.
Budgeting Assistance
Unlock the potential of your finances with our budgeting calculator. It's designed to give you a detailed breakdown of your income, expenses, and savings, enabling you to make informed decisions about your money. With the added convenience of a downloadable summary, you can easily keep track of your financial progress and stay committed to your goals. Whether you're aiming to reduce debt, save for the future, or simply get a better handle on your daily spending, our calculator is here to assist you every step of the way.
Emergency Assistance
Emergency financial assistance in NSW is available through various organisations, including Anglicare and Vinnies, offering support across multiple centres. These services provide immediate assistance such as groceries, clothing, financial aid, and counselling to individuals and families in crisis. Emphasising compassion and human connection, these centres offer a welcoming environment for those in need. If you're experiencing hardship, reach out to your local organisations like Anglicare or Vinnies to find the support you need.
What Else Can I Do? Call Revive Financial!
The free financial assistance in New South Wales is limited and restricted to certain situations. If your debt problems fall outside of what this free advice and help can offer you, get in touch with our team of specialists today on 1800 534 534 for support, advice and to discuss your options. We have a number of positive solutions available for people with bad debt.
