Your Home & Aged Care

36-page plain-English guide to how Centrelink treats your family home — and what happens when a parent enters aged care. Written by Craig Millar, retired tax preparer with 38 years experience.

Covers everything families need to know before making decisions about the home:

- The home exemption — what it means and when it ends

- Homeowner vs non-homeowner thresholds for 2026/27

- What happens when you sell — the downsizing trap explained

- The two-year home exemption in aged care (the rule most families miss)

- RAD, DAC, and the means-tested care fee in plain English

- The downsizer super contribution — up to $300,000 per person

- Granny flat arrangements and the gifting rules

All figures verified against Services Australia and the Department of Health and Aged Care for 2026/27.