Balls Radio talks to Tom Swann from the Australia Institute about the Pension Loans Scheme. It's a lesser known scheme that enables pensioners to receive a lower interest loan from the government, set against the value of their home. Sadly, it is own available to those who don't qualify for a state pension. Tom Swann suggests it should be available for all - but then, isn't there a danger that successive governments will use it as an excuse not to increase pensions? 

Read more about the Pension Loans Scheme here.

Read The Australia Institute paper on the benefits of extending the scheme here.