I need help paying a rental bond — what are my options?

When you rent a property in Victoria, you usually need to pay a bond — typically 4 weeks rent. For many people, especially if you’re already doing it tough, this can be impossible to find upfront. Here’s how to get help.

Step 1: Understand what a bond loan is

Victoria has a scheme called the Statewide Rentals Service (SRS). Through SRS, you can borrow your bond from the government as a loan — you pay it back over time, interest-free. This means you don’t need the full bond amount in cash to move into a rental.

You still owe the money — but you don’t have to find it all upfront.

Step 2: Ring SRS — 1800 260 026

Call the Statewide Rentals Service on 1800 260 026 (free call). Ask them about the bond loan. They’ll explain:

• How much you can borrow
• How repayments work
• Whether you’re eligible

SRS is available state-wide — they can work with you regardless of where you live in Victoria.

Step 3: Check eligibility

To get a bond loan through SRS, you generally need to:

• Be renting in Victoria
• Show you can repay the loan (some income is required)
• Not already have a bond loan outstanding

Even if your income is low, you may still be eligible. Ask them — don’t assume you’re not eligible.

Step 4: Get help with the rental application

If you’re struggling to find rentals, Swan Hill Neighbourhood House can help. They sometimes know of rentals coming up and can help you with the application process. Ring (03) 5032 9238.

Swan Hill Neighbourhood House can also help with the SRS application form if you need assistance filling it in.

Step 5: Look for rental listings

You can search for rentals at:

• rentalproperties.vic.gov.au (Victoria’s rental listing site)
• realestate.com.au (rentals section)
• domain.com.au (rentals section)
• Local paper and noticeboards

Be honest on your rental application about your situation. If you have a bond loan pre-approval, mention it — it shows you’re serious and prepared.

Step 6: Know your rights as a tenant

Once you’re in a rental, you have rights. The Tenancy Union Victoria can help if you have problems with your landlord: 1300 788 648.

You cannot be evicted without proper notice (usually 60 days for periodic tenancy). The landlord must maintain the property to minimum standards. If they’re not meeting their obligations, you have recourse.

Step 7: If you’re Aboriginal — mention it

Aboriginal applicants for rental housing can sometimes get priority through the Victorian Housing Register. If you’re also applying for public housing, mention your Aboriginal status. You don’t have to prove it immediately — you can self-identify.

Key numbers

• 1800 260 026 — Statewide Rentals Service (bond loan enquiries)
• (03) 5032 9238 — Swan Hill Neighbourhood House
• 1300 788 648 — Tenancy Union Victoria