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Unlock Your
Home Equity.


Live Well At Home

Tax
Free
Funds

No Regular
Repayments
Required

Consistently
Low
Rate 

Award
Winning
Company

Your Home Could Fund Your Retirement

Access the wealth in your home to improve your retirement funding. Live with comfort and confidence in retirement.

It's As Easy As 1, 2, 3!

HHC Icon - _PERSONALISED CONSULTATION
CONFIRM ELIGIBILITY

Use our online calculator to see your accessible Household Capital.

HHC Icon - _APPLY
PERSONAL CONSULTATION

Experience one-on-one personalised service with a retirement specialist.

HHC Icon - _RECEIVE FUNDS
APPLICATION

We guide you through every step of the application process.

Calculator Experience

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Calculator Screen

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Age & Status

Calculator Screen

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Home & Value

Did you know?

Tax free funds
No regular repayments required
Low interest rate

Calculator Screen

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Summary Form

Confidentiality

We're committed to protecting your personal information.

Calculator Screen

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Congratulations!
You're eligible to unlock your available Household Capital™.
A retirement specialist will call you shortly.

Results

Refine Plan
"It'll change your life" - Ray

Watch Testimonial

Pre-Qualification Experience


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Calculator Screen

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About You

About Household Loans

No Negative Equity Guarantee
Low variable interest rate 
No regular repayments required

Calculator Screen

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Utilising one or more purposes, allocate your $0 of Available Household Capital™

Your Needs

Considerations
We focus on responsible lending
Flexibility and choice

Australian Owned and Operated

Calculator Screen

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More about your existing income

Your Income

Calculator Screen

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The information provided will aid the discussion with your dedicated retirement specialist so that you are fully informed on the options available and understand how a Household Loan may be suitable for you.

The next steps are completely free and of no obligation. 

Results

Why we're different

Low Interest Rate
4.95% Variable
4.98% Comparison*

Consistently low rate so you can access more of your home equity.

Flexibility and Choice

Adjust as you go with flexible drawdown options.

Personalised
Service

Our award winning retirement specialists help you every step of the way.

Specialist
Provider

We only provide retirement funding so we understand your needs.

It was such a relief to cover what was left of our mortgage and not have to stress about meeting repayments each month. 

Debbie and Bill
Retirees, Ivanhoe VIC

We've Got You Covered

No Regular
Repayments
Required

You improve your retirement income - no regular repayments required.

Remain the
Owner of
Your Home

You keep full ownership and continue to benefit from any increase in property value.

Tax Free
Funds

You get to access your home equity tax free.

Your Home,
Your Wealth

Housing and funding for life. Live Well At Home™.

Frequently Asked Questions

What is the interest rate and fees?

Interest Rate
The interest rate on a Household Loan is 4.95%p.a. (4.98%p.a. comparison rate*), which is a consistently low rate for a reverse mortgage or equity release product.

Establishment Fee
Household Capital charges an Establishment Flat Fee (including valuation and conveyancing) of $950.

Try our equity calculator or call us on 1300 622 100 to see how using your Household Capital could improve your retirement income so you can stay safe and Live Well At Home.

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 Household Loan can be used to preserve your pension entitlements and always recommend you speak to Centrelink to ensure your entitlements aren't affected.

Try our equity calculator or call us on 1300 622 100. See how using your Household Capital could improve your retirement income. Live Well At Home™

Should I get financial advice?

If you are using home equity to top up your superannuation or other investments, you are required to get appropriate 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 entitlements to the Age Pension.

Try our equity calculator or call us on 1300 622 100. See how using your Household Capital could improve your retirement income. Live Well At Home™

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. A reverse mortgage 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 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 equity calculator or call us on 1300 622 100. See how using your Household Capital could improve your retirement income. Live Well At Home™

How Our Customers Rate Us

Award Winning Company

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Telstra Business Awards Finalist - Household Capital
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Household Capital's Fintech Finalist Badge award 2020