20/08/2025
🔔 Important Update: Deeming Rate Increase – Effective 20 September 2025 🔔
From 20 September 2025, deeming rates will rise for the first time since the COVID-era freeze.
This change may affect payments and entitlements for pensioners, cardholders, and aged care clients.
💰 What’s Changing?
📈 Low deeming rate: 0.25% ➜ 0.75%
📈 High deeming rate: 2.25% ➜ 2.75%
🧾 Income Thresholds
✔ Singles: First $64,200 at the lower rate
✔ Couples: First $106,200 at the lower rate
(Amounts above these thresholds are deemed at the higher rate)
👥 Who’s Affected?
✅ Income-tested pension and allowance recipients
✅ Commonwealth Seniors Health Card holders
✅ Low Income Health Care Card holders
✅ Aged care clients (means-tested fees)
📌 Why Now?
With inflation easing, deeming rates are being realigned to pre-pandemic settings.
📅 Future Updates
Increases will now coincide with regular indexation (expected 20 March & 20 September each year).
📞 Need advice? Speak with your financial adviser or contact our team today.
