We understand that home ownership is a significant goal for many of our members. That’s why we’ve designed tailored initiatives to help our members achieve this milestone through accessible, practical housing solutions.
Members who have contributed continuously for five years or more can apply for this housing benefit. Our dedicated team will assist members throughout the process, from eligibility checks to ensuring payments are made to authorised suppliers and financial institutions.
The housing advance is never paid directly into a member’s account.
Members who have served less than 20 years 100% of contribution
Members who have served for 20 years or more
100% of their personal (6%) contributions minus interest
It is important to consider the effects of an advance on your superannuation funds before you apply.
Our Member Services team will guide you through the approval and disbursement process.
Yes, the benefit is determined by the Superannuation Act and your available housing advance balance.
Members who have made continuous superannuation contributions for five years or more are eligible.
Download the application form here or collect it from the CTSL office, complete it with required documents, and submit for processing.
You can use it to build, buy, renovate, or settle a home loan on a residential property.
No — the MHA is strictly for personal residential properties intended for owner-occupancy
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