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A guide to completing the Rebated Rent Application form

By Judith Owens,2014-06-22 18:02
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A guide to completing the Rebated Rent Application form

    A guide to the Application for Public Housing

    There are nine sections in the Application for Public Applying for public housing Housing. Public housing provides shelter and security for people in Please check which Sections you need to complete: need - especially those who have recently been homeless or need support. ; If you are a single applicant and not pregnant, fill out Sections A, B, C and D. You can skip Sections E The application is designed to give people who are eligible and F, and go to Section G on page 25 and continue for public housing the best possible chance of being to the end. housed.

    ; If you have depandents or you are pregnant, fill out That’s why, if you have recently been homeless or you

    Sections A, B, C, D and E, then go to section G on have special support needs, or you require disability

    page 25 and continue to the end. modifications you should use this opportunity to tell us.

     Your circumstances may entitle you to be housed before

    ; If you have other household members aged 18 other people on the public housing waiting list.

    years or older, fill out sections A, B, C, D, E and F,

    This guide will help you fill in the Application for Public then go to section G on page 25 and continue to the

    Housing. end. We can provide additional copies of Section F if

    you have more than one household member

     Please read the guide carefully all the way through before

    Make sure that you sign the Acknowledgement, you begin.

    declaration and consent on page 31.

     If you need help Complete the checklist on page 33 of the form to make sure you have included all the information and If you need help to fill in the application, you could ask a documents we need. community service organisation, family member or friend to help you. When you have filled in the application and attached all the documents we have asked for, send your application Your local Housing Office can tell you about community to GPO Box 4057, Melbourne, Victoria 3001 or take it service organisations that can help, or arrange an into your local Housing Office. interpreter to help you. We will write to you within fourteen days from the date Our staff can provide you with advice, however we cannot we receive your application to tell you if your application fill out the application for you. has been approved or to ask for further documentation or information if required. How to fill out the application Need more information? Write in CAPITAL letters. If you have any questions, visit our website at Give us all the information and documents we ask for. If www.housing.vic.gov.au/applying-for-housing or contact you do not do so, it may take us longer to give you an your local Housing Office. answer about your application. A list of our Housing Offices is also available on our Generally, documents must be original documents (not website, and in the White pages government directory photocopies). Staff at your local Housing Office can under “Human Services”. photocopy documents for you.

    This is so we can work together to provide you with the Section A best assistance possible. About you and your contact details Section D Here we ask for your personal information including your

    Your housing history name, your date of birth, your sex, your marital status, your contact details, your residency status, your preferred

    language and whether or not you need an interpreter. We ask where you are currently living and where you

     were previously living so that we can better understand

    your housing needs. Section B Income and assets If you are homeless or you have a history of being homeless, we may be able to house you sooner than Here we ask about the money you receive and the assets other people on the waiting list. you own. We also ask if you want to be the only person in your Your income and assets must be within our limits. We household who can get information about your housing usually update our income and asset limits every six application. We ask you for a password and a question. months. Please ask for our current Income and Assets This will help us to protect your privacy. sheet for the most up to date information. If there are other household members, they will not be Assets generally include money in the bank, shares, able to get any information about your application. mobile homes, real estate, and businesses and so on. Providing a password and question will also allow you to Assets generally do not include personal belongings, your get information about your application by phone. car or furniture, but may include superannuation funds if you are able to access them. Section E

    Your dependants If you own or part own a house or flat you are not eligible

    for assistance. However, special provisions may apply if

    you are unable to sell or live in this property. Please ask You only need to complete this section if you for further information about this.

     ; have children in your care

    There’s more information about income and assets and ; are expecting a baby

    the documents we need on pages 5 and 6 of this guide. ; are a foster carer approved by the Department of Human Services The Income Confirmation Service makes it easier for us to assess your eligibility and may mean a quicker We ask you for information about their name, date of answer. birth, sex, residency status and their income and assets. If you use the service, you’re allowing Centrelink to tell us Section F about any payments you’ve received, your Centrelink Other household members deductions, income, assets, confirmation of your current address, confirmation of your marital status, and the You only need to complete this section if there are other number of dependants you have and your percentage of members of your household who are 18 years or older care of them. who are also applying for housing on this application. If you want to use the Income Confirmation Service, tick We ask the same questions about them, and ask for the the Yes box at question B2 and go to question B6. same documents that we ask you for. Please ask for a Remember to sign the Income Confirmation Authority on copy of the Section F insert if you have more than one page 32 of the application. household member. If you use the service, you don’t need to tell us directly Section G about your income or assets, apart from real estate or land,

    Primary Applicant and lump sum payments.

    Here we ask about your specific housing needs, for Section C example whether you Housing support ; have a history of recurring homelessness Here we ask about support you may be getting from an ; need disability modifications to the property individual or organisation, and for your permission to ; are living with severe overcrowding or family contact your support person to discuss your housing violence needs. ; are unable to have your children live with you because of where you live.

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    The information you give us here will help us work out If you need to live in a particular type of housing, for whether you can be offered housing before other people example if you use a wheelchair, you can ask for a on the public housing waiting list. property without steps or with other modifications.

    We ask if you would like information about other housing If there are special reasons why you need to have assistance. This includes access to a particular location or need to live in a

     particular type of property, ask your health professional

    to explain these reasons to us by completing an ; Aboriginal Housing Victoria

    Application for Special Accommodation ; a bond loan to help you rent privately

    Requirements. ; registered housing associations and providers ; rental housing cooperatives This form is available from your local Housing Office, or ; rooming houses on our website at www.housing.vic.gov.au/applying-for-; the Department of Human Services movable unit housing . program. The Primary applicant’s responsibility With your permission, we can send your housing application to Please read page 30 of the application very carefully, as it tells you about the things you must do as the Primary ; Aboriginal Housing Victoria applicant. ; registered housing associations and providers ; rental housing cooperatives These include ; rooming houses ; signing the declaration on page 31 to increase your chances of finding long term suitable ; understanding your responsibility for this housing housing. application ; consenting or confirming consent for all referrals and Section H sharing of information Where you want to live ; telling us if there are any changes to this application at any time in the future, including a change in your We ask you to choose up to three areas where you would household or if you move to another address. like to live. It is very important to always tell us when you move Although you cannot choose a specific suburb or town, house before we offer you housing. you can choose the areas that you would like to live in by writing in up to three broadband areas. If we are unable to contact you about your application, your name may be removed from the public housing Some broadband areas are made up of a number of waiting list. adjoining suburbs and towns that are linked by public transport. You could be offered a property in any one of Income confirmation service the suburbs within your chosen waiting list areas. The Income Confirmation Service allows Centrelink to There is a list of broadband areas and the suburbs they tell us about any payments you’ve received, your include on pages 7 to 11 of this guide. Centrelink deductions, income, assets, confirmation of your current address, confirmation of your marital status, Staff at your local Housing Office can also tell you more and the number of dependants you have and your about broadband areas. percentage of care of them. Section I Each member of your household who wants to use the Primary Applicant Centrelink Income Confirmation Service must sign the Authority on page 32 of the application to allow Here we ask about your current housing and whether or Centrelink to release information about them to the not it is suitable for your household members. department. We also ask about special accommodation requirements Checklist that you may have. Please read carefully through the checklist to make sure If you have a medical condition that can only be treated at you have included all the information we ask for and all a specific hospital or by a specific doctor, you can ask for the documents we need. housing in an area that allows you to travel to these services. If you do not give us all the information and documents we need, it may take us longer to give you an answer

    about your application.

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     Some common questions How long will I have to wait for housing? Waiting times vary between broadband areas. Waiting times can also be affected by the number of applications ahead of you on the waiting list because of their special housing needs, the number of homes being sought in a given area, and how often vacancies arise in each location. The Application for Public Housing asks you questions that will help us work out your housing need and if you should be housed before others on the waiting list.

How many offers of housing will I get?

    If your application is approved, you will receive an offer of housing when a property becomes available.

    If you do not accept this offer, you will receive one more offer. If you do not accept either offer, your name will be removed from the waiting list.

    If you are approved to be housed sooner than others on the waiting list due to your special circumstances, you will receive only one offer as soon as a property becomes available to suit your needs.

    If you refuse that offer, you will remain on the general waiting list and will receive a second offer when your name reaches the top of the list and a property becomes available. You may have to wait a long time for your second offer.

Money Owing

    If you owe us money from a previous public housing tenancy or bond loan, you must repay or start to repay this debt.

    Your application can be approved, but you will not be offered housing until all the money you owe has been repaid.

    Exceptions can be made in certain circumstances, but you must enter into a repayment agreement and make regular repayments.

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     Income information and documents

    If you are using the Income Confirmation Service, you do not need to give us details of your income. However, for

    each household member including yourself not using the Income Confirmation Service, please tell us:

    This includes wages, Centrelink payments, Austudy payments, Veterans’ Affairs pensions, child maintenance payments, income from self employment

    or a business, overseas pensions, WorkCover, superannuation, income from

    mobile homes, compensation payments, and income from any other source, for

    example rental income if you own a tenanted property.

    The amount of gross weekly income before tax or any other deductions received by each household member.

Your Centrelink reference number (CRN), if you get any income from

    Centrelink.

Your Veterans’ Affairs number if you get any income from Veterans’ Affairs.

    Please give us documents to confirm your income. These documents must be less than two weeks old. You may

    be able to get the documents we need by telephoning the organisation or agency who paid you the income.

    These are the documents we need for each type of income you may receive.

A statement from Centrelink showing the income you get and when payments

    started.

    A statement from your employer showing your gross weekly or fortnightly earnings before tax or any other deductions for the last thirteen weeks or if less

    than 13 weeks, the date you began working there. This includes overtime,

    allowances, loadings, bonuses, salary sacrifice and fringe benefits.

You can also give us payslips or a signed letter from your employer stating

    your gross income for the period. Your wage statement must be dated and

    signed by your employer.

    A letter from the Department of Employment Education and Training showing the income you get and when payments started.

    A letter from the institution or school body providing the funds showing the income you get and when payments started.

A letter from the Department of Veterans’ Affairs showing the income you get

    and when payments started.

A letter from Child Support Agency, Centrelink income statement or

    Family Court Order showing the payments you get and when the payments

    started.

    If your child maintenance payments are not regular or change from time to time, we need a letter from the Child Support Agency showing all payments

    received. If you have a private maintenance arrangement, we need a letter

    from the person making the payments showing the payments being made.

    A copy of the latest thirteen week minimum profit and loss statement (including a Statutory Declaration) from your accountant or prepared by you if you do not

    use an accountant.

We also need details of all other income over the same period.

    We carry out random audits to cross check Australian Taxation Office Notices of Assessment with profit and loss statements.

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    A letter from Centrelink, overseas pension organisation, bank account

    statements or copy of bankbooks showing details of the payments you got for

    the last thirteen weeks.

    A letter from Workcover showing the date payments started and the amount

    you got for the last thirteen weeks.

    A letter from your superannuation fund showing the payments you got for the

    last thirteen weeks and the total amount you have invested.

    A letter from the Caravan Park or your copies of the receipts showing the rental

    payments you received.

    Legal documents showing dates when income was lost, the date of settlement,

    the Centrelink preclusion period (if applicable) and the payments you got.

    .

    A copy of the most recent lease agreement and evidence of gross rental

    income you got for the last thirteen weeks.

    Documents showing income from any other source.

    Please speak to the staff at your local Housing Office about the type of

    documents we need, depending on the source of this income.

    Investments Asset information and documents

    Please tell us about any investments (for example; If you are using the Income Confirmation Service,

    bonds, shares, superannuation funds, debentures or you do not need to give us details of your assets,

    annuities) that earn interest or dividends for any apart from real estate or land, and lump sum

    household member, including payments.

    ; the name of each account holder or investor However, for each household member including

    yourself not using the Income Confirmation Service, ; the amount of money invested

    we need information and documents about all their

    assets. Please also give us a letter from your bank or

     financial institution showing the amount invested.

     Bank accounts

    Land and property

    Please tell us about each household member’s bank

    accounts, including Please tell us about any vacant or occupied land or

     property owned by any household member. This

    includes houses, units, flats and commercial ; the name of each bank account holder

    properties, including ; the amount of money in the account

     ; the date the account was opened (if it is a new

    ; the name of the property owner(s) account since your last application).

    ; the address of the property

    Please also give us ; the current market value of the property

     ; your equity held in the property, and ; original account statements covering at least the ; the date of settlement of the property.

    last eight weeks for all bank accounts, and

    ; original or clear photocopies of bankbooks Please also give us

    covering at least the last eight weeks, clearly

    showing the name of the account holder. ; the most recent valuation notice from your local

     council giving the current market value, and An ATM (automatic teller machine) statement can be ; evidence from your financial institution showing used, but only if your card number appears on the your equity in the property. print out and shows that you are the cardholder. If you are receiving rental income from this property, We can make copies of original documents and give please include the gross weekly rent as income. the originals back to you.

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Broadband areas

You will be offered the first property that becomes available in any suburb or town within a broadband area that you

    write in your accommodation preferences. You can choose up to three broadband areas.

You can only choose a broadband area that has properties the size (number of bedrooms) you are eligible for. For

    example, if you are eligible for a one bedroom property, you can only choose a broadband area that has one

    bedroom properties.

You can check the size of properties available in the areas you want to live in by asking the Housing Office that

    manages that area.

This list of broadband areas tells you the suburbs and towns in that broadband, and the Housing Office that

    manages that area.

    Alexandra Seymour Office Alexandra

    Altona, Altona Meadows, Altona North, Brooklyn, Footscray Office Altona

    Footscray, Kingsville, Laverton, Newport, Seddon,

    Spotswood, Tottenham, West Footscray, Williamstown,

    Williamstown North and Yarraville

    Anglesea, Aireys Inlet and Torquay Geelong Office Anglesea

    Apollo Bay Geelong Office Apollo Bay

    Ararat Ballarat Office Ararat

    Avoca Ballarat Office Avoca

    Bacchus Marsh and Darley Ballarat Office Bacchus Marsh

    Bairnsdale Bairnsdale Office Bairnsdale

    Ballan Ballarat Office Ballan

    Barwon Heads and Ocean Grove Geelong Office Barwon Heads

    Beaufort Ballarat Office Beaufort

    Beechworth Wangaratta Office Beechworth

    Clifton Springs, Drysdale, Leopold, and St. Leonards Geelong Office Bellarine

    Benalla Benalla Office Benalla

    Bendigo, California Gully, Eaglehawk, East Bendigo, Bendigo Office Bendigo

    Epsom, Golden Square, Kangaroo Flat, Kennington, Long

    Gully, Newbridge, North Bendigo, Quarry Hill, Spring Gully,

    Strathdale, Strathfieldsaye and White Hills

    Beaconsfield, Beaconsfield Upper, Berwick, Bunyip, Dandenong Office Berwick/Pakenham

    Cockatoo, Doveton, Endeavour Hills, Eumemmerring,

    Fountain Gate, Hallam, Koo Wee Rup, Narre Warren,

    Narre Warren North, Narre Warren South, Officer and

    Pakenham

    Birchip Swan Hill Office Birchip

    Boolarra Morwell Office Boolarra

    Boort Bendigo Office Boort

    Ashburton, Balwyn, Box Hill, Box Hill North, Box Hill South, Box Hill Office Box Hill

    Bulleen, Burwood, Burwood East, Camberwell, Doncaster,

    Doncaster East, Donvale, Glen Iris, Hawthorn, Hawthorn

    East, Kew, Kew East, Mitcham, Mont Albert, Mont Albert

    North, Notting Hill, Ringwood North, Surrey Hills,

    Templestowe, Templestowe Lower and Warrandyte

    Bright Wodonga Office Bright

    Broadford, Kilmore and Wallan Seymour Office Broadford

    Attwood, Broadmeadows, Campbellfield, Coburg, Coburg Broadmeadows Office Broadmeadows

    North, Coolaroo, Craigieburn, Dallas, Fawkner, Gladstone

    Park, Glenroy, Greenvale, Jacana, Meadow Heights, Oak

    Park, Pascoe Vale, Pascoe Vale South, Preston, Roxburgh

    Park, Tullamarine and Westmeadows

    Camperdown and Terang Warrnambool Office Camperdown District

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Cann River and Mallacoota Bairnsdale Office Cann River

    Carisbrook Bendigo Office Carisbrook

    Casterton Warrnambool Office Casterton

    Campbells Creek, Castlemaine and Maldon Bendigo Office Castlemaine

    Alfredton, Ballarat, Buninyong, Delacombe, Mount Clear, Ballarat Office Central Highlands

    Mount Pleasant, Redan, Sebastopol, Wendouree

    Charlton Bendigo Office Charlton

    Churchill Morwell Office Churchill

    Clunes Clunes Ballarat Office

    Cobden Cobden Warrnambool Office

    Cobram Cobram Benalla Office

    Cohuna Cohuna Swan Hill Office Colac and Elliminyt Geelong Office Colac

    Coleraine Warrnambool Office Coleraine

    Corryong Wodonga Office Corryong

    Cowes Morwell Office Cowes

    Cranbourne, Cranbourne North, Cranbourne West, Dandenong Office Cranbourne

    Hampton Park, Lang Lang, Langwarrin, Lyndhurst, Skye

    Creswick Ballarat Office Creswick

    Aspendale, Aspendale Gardens, Carrum Downs, Chelsea Dandenong Office Dandenong

    Heights, Dandenong, Dandenong North, Dandenong South, Dingley Village, Keysborough, Noble Park, Noble

    Park North, Patterson Lakes, Springvale and Springvale

    South

    Dartmoor Warrnambool Office Dartmoor

    Daylesford Daylesford, Hepburn and Hepburn Springs Ballarat Office Deans Marsh Geelong Office Deans Marsh

    Derrinallum Warrnambool Office Derrinallum

    Dimboola, Jeparit and Rainbow Ballarat Office Dimboola

    Donald Bendigo Office Donald

    Drouin Morwell Office Drouin

    Dunkeld Warrnambool Office Dunkeld

    Dunolly Bendigo Office Dunolly

    Echuca Bendigo Office Echuca

    Edenhope/Apsley Edenhope and Apsley Ballarat Office Eildon Seymour Office Eildon

    Elmore Bendigo Office Elmore

    Euroa Benalla Office Euroa

    Airport West, Ascot Vale, Avondale Heights, Essendon, Ascot Vale Office Flemington

    Essendon North, Essendon West, Flemington, Keilor East,

    Moonee Ponds, Niddrie, Strathmore and Strathmore

    Heights

    Foster Morwell Office Foster

    Frankston Aspendale, Bonbeach, Carrum, Chelsea, Crib Point, Frankston Office Edithvale, Frankston, Frankston North, Frankston South and Seaford

    Bell Park, Bell Post Hill, Corio, Geelong, Geelong West, Geelong Office Geelong North

    Hamlyn Heights, Herne Hill, Lovely Banks, Manifold

    Heights, Norlane, North Geelong and North Shore

    Belmont, Breakwater, East Geelong, Grovedale, Highton, Geelong Office Geelong South

    Newcomb, Newtown, South Geelong, St Albans Park,

    Thomson, Wandana Heights, Waurn Ponds and Whittington

    Girgarre Bendigo Office Girgarre

    Gisborne and New Gisborne Bendigo Office Gisborne

    Gunbower Bendigo Office Gunbower

    Hamilton Warrnambool Office Hamilton

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Heathcote Bendigo Office Heathcote

    Eaglemont, Heidelberg, Heidelberg Heights, Heidelberg Preston Office Heidelberg

    West, Ivanhoe, Macleod, Rosanna, Viewbank and

    Yallambie

    Heywood Warrnambool Office Heywood

    Horsham, Murtoa, Natimuk and Rupanyup Horsham Office Horsham

    Inglewood Bendigo Office Inglewood

    Abbotsford, Alphington, Burnley, Clifton Hill, Collingwood, Fitzroy Office Inner Metro East

    Fairfield, Fitzroy, Fitzroy North, Northcote, Richmond and

    Thornbury

    Brunswick, Brunswick East, Brunswick West, Carlton, North Melbourne and Inner Metro North

    Carlton North, East Melbourne, Fitzroy North, Kensington, Carlton Offices North Melbourne, Parkville, and West Melbourne

    Albert Park, Armadale, Balaclava, Elsternwick, Elwood, South Melbourne and Inner Metro South

    Melbourne, Middle Park, Port Melbourne, Prahran, Prahran Offices Ripponlea, South Melbourne, South Yarra, St Kilda, St

    Kilda East, St Kilda West, Toorak and Windsor

    Inverloch Morwell Office Inverloch

    Cairnlea, Deer Park, Delahey, Kealba, Keilor, Keilor Sunshine Office Keilor/St Albans

    Downs, Keilor Park, Kings Park, St Albans, Sydenham,

    Taylors Lakes and Tullamarine

    Kerang Swan Hill Office Kerang

    Bayswater, Boronia, Ferntree Gully, Knoxfield, Lysterfield, Ringwood Office Knox

    Rowville, Scoresby, The Basin, Upper Ferntree Gully,

    Wantirna and Wantirna South

    Koondrook Morwell Office Koondrook

    Koroit Warrnambool Office Koroit

    Korumburra Morwell Office Korumburra

    Kyabram Bendigo Kyabram

    Kyneton Bendigo Kyneton

    Lake Boga Swan Hill Office Lake Boga

    Lakes Entrance Bairnsdale Office Lakes Entrance

    Lancefield Bendigo Office Lancefield

    Lara Geelong Office Lara

    Leitchville Bendigo Office Leitchville

    Leongatha Morwell Office Leongatha

    Lismore Warrnambool Office Lismore

    Longwood Benalla Office Longwood

    Macedon Bendigo Office Macedon

    Maffra Sale Office Maffra

    Manangatang Bairnsdale Office Manangatang

    Mansfield Benalla Office Mansfield

    Maroondah Bayswater North, Blackburn, Blackburn North, Blackburn Ringwood Office South, Chirnside Park, Croydon, Croydon Hills, Croydon North, Croydon South, Forest Hill, Heathmont, Kilsyth,

    Lilydale, Mitcham, Montrose, Mooroolbark, Nunawading,

    Ringwood, Ringwood East, Ringwood North, Vermont, Vermont South and Warranwood

    Maryborough Benalla Office Maryborough

    Marysville Seymour Office Marysville

    Meeniyan Morwell Office Meeniyan

    Diggers Rest, Hillside, Kurunjang, Melton, Melton South Sunshine Office Melton

    and Melton West

    Merbein Mildura Office Merbein

    Merrigum Merrigum Shepparton Office Irymple and Mildura Mildura Office Mildura

    Miners Rest Ballarat Office Miners Rest

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Mirboo North Morwell Office Mirboo North

    Moe Morwell Office Moe

    Ashwood, Chadstone, Clayton, Glen Waverley, Box Hill Office Monash

    Hughesdale, Huntingdale, Mount Waverley, Mulgrave,

    Oakleigh, Oakleigh East, Oakleigh South, Syndal and

    Wheelers Hill

    Blairgowrie, Dromana, McCrae, Mornington, Mount Eliza, Frankston Office Mornington

    Mount Martha, Portsea, Rosebud, Rosebud West, Rye, Peninsula Safety Beach and Tootgarook

    Morwell Morwell Office Morwell

    Mount Beauty Wodonga Office Mount Beauty

    Moyhu Wangaratta Office Moyhu

    Murchison Shepparton Office Murchison

    Myrtleford Wodonga Office Myrtleford

    Nagambie Nagambie Seymour Office

    Neerim South Morwell Office Neerim South

    Newborough Morwell Office Newborough

    Newstead Bendigo Office Newstead

    Kaniva and Nhill Horsham Office Nhill/Kaniva

    North Cheltenham Armadale, Bentleigh, Bentleigh East, Carnegie, Caulfield, Cheltenham Office

    Caulfield North, Caulfield South, Chadstone, Cheltenham

    North, Glen Huntly, Glen Iris, Kooyong, Malvern, Malvern

    East, McKinnon, Murrumbeena and Ormond Barmah, Nathalia and Numurkah Shepparton Office Numurkah/Nathalia

    Nyah West Swan Hill Office Nyah West

    Omeo Bairnsdale Office Omeo

    Orbost Bairnsdale Office Orbost

    Ouyen Mildura Office Ouyen

    Paynesville Bairnsdale Office Paynesville

    Port Fairy Warrnambool Office Port Fairy

    Portland Warrnambool Office Portland

    Bundoora, Epping, Greensborough, Kingsbury, Lalor, Preston Office Preston

    Mernda, Mill Park, Montmorency, Preston, Reservoir,

    South Morang, Thomastown and Whittlesea Pyramid Hill Bendigo Office Pyramid Hill

    Quambatook Swan Hill Office Quambatook

    Point Lonsdale and Queenscliff Geelong Office Queenscliff

    Red Cliffs Mildura Office Red Cliffs

    Robinvale Mildura Office Robinvale

    Romsey Bendigo Office Romsey

    Rosedale Sale Office Rosedale

    Rushworth Bendigo Office Rushworth

    Rutherglen Wangaratta Office Rutherglen

    Sale Sale Office Sale

    Balaclava, Black Rock, Brighton, Brighton East, Cheltenham Office Sandringham

    Elsternwick, Gardenvale, Hampton and Sandringham Sea Lake Swan Hill Office Sea Lake

    Seymour Seymour Office Seymour

    Kialla, Mooroopna, Shepparton, Shepparton East and Shepparton Office Shepparton

    Toolamba

    Skipton Warrnambool Office Skipton

    Beaumaris, Cheltenham, Cheltenham East, Clarinda, Cheltenham Office South Cheltenham

    Clayton, Clayton South, Hampton East, Heatherton, Highett, Huntingdale, Mentone, Moorabbin, Mordialloc,

    Oakleigh South and Parkdale

    Stanhope Bendigo Office Stanhope

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