Nhill VIC
West Wimmera Health Service
Iona Digby Harris Home - 49 Nelson Street
49 Nelson Street
Nhill VIC 3418
Beds: 30
State Government
Service Provider: West Wimmera Health Service
Accreditation Report for Iona Digby Harris HomeDo you need to find respite or permanent placement at Iona Digby Harris Home or another nursing home in the Nhill location?
We have helped many families through this usually difficult time and have detailed knowledge and experience to help you with this important decision about Iona Digby Harris Home.
Don't be too hasty and make easy mistakes. Use our knowledge and experience prior to making a decision which will have a major impact on your elderly loved one.
First select the RAD Amount that has been agreed to:
Agreed RAD: $
Use the slider to see how the daily accommodation payment (DAP) will change depending on the lump sum component of the RAD paid. The DAP is based on the maximum permissible interest rate (MPIR) of 8.43%.
| % |
Lump Sum Paid: $
DAP :$20.20 pd
Interest rate (MPIR) is: 8.43%pa
(from 1/7/2026)
The Maximum Permissible Interest Rate (MPIR) is 8.43% pa from 1st July 2026; representing the highest rate since 2012 when the MPIR reached 8.62%.
There remains potential for more increases to the MPIR, with the next few RBA cash rate decisions expected to influence the direction of the MPIR in that direction.
Adding to the financial impact, all permanent residents who entered residential care on or after 1 November 2025 have their MPIR indexed twice each year in line with movements in the CPI, potentially increasing accommodation payment obligations over time.
The Refundable Accommodation Deposit (RAD) now has a retention of 2% of the paid RAD (up to a maximum 10% across 5 years) from the date of the first payment. It’s interesting here that it is based on what RAD you have paid. We are expecting that some clients may pay a small/nominal RAD/RAC at entry in order to “kick-start” the 5 year clock. This will limit the total retention fee exposure over a client’s lifetime in care. Smart move.
The MPIR which is applied to the unpaid RAD will now be indexed to CPI twice a year (similar to how the Basic Daily Fee moves in line with the age pension). This is going to be hard for the novice to monitor as there will now be an indexation factor to apply to the original MPIR which will be based on the date in which the client entered care.