Aged Care Changes 2025: Fees, Deposits & New Rules Explained

21/11/2025 26 min Episodio 107
Aged Care Changes 2025: Fees, Deposits & New Rules Explained

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Episode Synopsis

Aged care is about to become far more expensive, and most families have no idea what’s coming.

In this episode of the Investor Motivation Podcast, Rob and Ash unpack the major aged-care rule changes starting 1 November 2025. They explain what’s changing in home care and residential aged care, why costs are rising, what the new refundable accommodation deposit rules look like, and how the return of retention fees will affect families.

The conversation also covers the new means-tested charges, how pensions and cashflow planning fit into aged-care affordability, the increasing importance of the family home, and why people with $200k–$500k in assets may feel the squeeze the most. They discuss how families can work together, avoid misunderstandings and prepare financially for one of life’s most stressful transitions.

Robert Goudie, CFP, (ASIC Reg 235974) and Ashley Rowan, FChFP GradDipFP, (ASIC Reg 433899), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401