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Unlock the wealth in your home.

Your Home For Life

What’s the biggest form of retirement wealth most people aren’t using?

Australian retirees are the wealthiest in the world, but most of that wealth is in our homes.

The experts at Household Capital can help you access your home wealth to meet your needs. You can live the retirement you’ve always wanted, while staying in your home for life.

Unlock Your Home Wealth With Us

Access to Lowest Available Rate

Chat with us today to discover your options.

Flexibility and Choice

Adjust as you go with flexible drawdown options.

Personalised Service

Our retirement specialists help you every step of the way.

Specialist Provider

As retirement funding specialists, we understand your needs.

What We Offer

Unlock your home wealth with our products and services

Household Loan

Our Household Loan lets you draw on your home wealth so you can live a better retirement in your own home.

Pension Boost Service

Our Pension Boost Service helps Australia’s retirees access their home wealth through the government’s Home Equity Access Scheme.

Apply in 3 Simple Steps

Confirm eligibility

Use our quick online calculator to see how much home wealth you can access.


Stay in your home

You’re guaranteed to stay in your home as long as you want.


Specialist support

We help you through the application process to help you maintain control of your wealth and entitlements.

Frequently Asked Questions

What are the costs?

Interest Rate
The interest rate on a Household Loan is 9.20%p.a. (9.23%p.a. comparison rate*).

Establishment Fee
Household Capital charges an Establishment Fee (including conveyancing) of $950. Valuation fees may also apply to your property. Government fees and charges to establish your loan will be charged at cost if applicable.

Will my Age Pension be affected?

The Age Pension is an important source of income for many retired Australians. We can work with you to understand how a reverse mortgage can be used to preserve your pension entitlements and always recommend you speak to Centrelink to ensure your entitlements aren’t affected.

Should I get financial advice?

If you are using your home equity to top up your super or other investments, you are required to obtain financial advice. This will help you determine how best to deploy your home equity to ensure improved long-term retirement funding. A financial adviser can also help structure your financial affairs to maximise your entitlements to the Age Pension.

What is a Household Loan?

What is a Household Loan?A Household Loan is our innovative approach to borrowing against home equity for responsible, long-term, retirement funding. It is a type of reverse mortgage, which allows you to borrow money using the equity in your home as security. Interest is charged like any other loan, but you don’t need to make regular repayments while you live in your home.

The loan must be repaid in full when you sell or leave your home or, in most cases, if you move into residential aged care. Please see the Reverse Mortgage Information Statement for more information.

To find out more about reverse mortgages, including a reverse mortgage calculator to help you work out how much equity you may have in the future, visit the Australian Securities and Investments Commission’s free consumer website at www.moneysmart.gov.au. Try our home equity calculator or call us on 1300 760 139 to see how using your Household Capital could improve your retirement funding and help you to Live Well At Home™.

How Our Customers Rate Us

Award Winning Company

state finalist 2023

Disclaimer: Comparison rate based on a secured loan of $150,000 over a 25 year term. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates.

Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. ^Amounts spent will be added to your Household Loan and accrue interest like any other funds drawn via your Household Loan.