Money

Planning & budgeting

Aged care

Opinion

Rachel Lane Money contributor November 11, 2025 — 11.36am

For years, the mantra around aged care and the family home was simple: think twice before you sell. But in a post-November 1 world with changing rules and financial implications that reach well beyond emotional ties, that advice has shifted to think three times.

Many people believe selling the family home is the only way to fund aged care, particularly when faced with the Refundable Accommodation Deposit (RAD) that is normally hundreds of thousands of dollars.

The fact that any unpaid RAD incurs interest at 7.61 per cent per annum can make it seem like a no-brainer – after all, a $750,000 RAD equates to $57,075 a year. The numbers are big and selling the house feels like a

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