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Unlock Your
Home Equity.

Live Well At Home™

Tax
Free
Funds

No Regular
Repayments
Required

Consistently
Low Interest
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!

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CONFIRM ELIGIBILITY

Use our online calculator to see your accessible Household Capital.

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PERSONAL CONSULTATION

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

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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

Calculator Screen

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Summary Form

Calculator Screen

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Congratulations! You're eligible to unlock your available Household Capital™

Results

Check Suitability Now

Pre-Qualification Experience


This is a Global Template that holds another type of Global Template called Calculator Screen. Feel free to drop as many Calculator Screen instances as you require into the white area below. The order of the screens (top to bottom) will be their order within this Calculator Experience. You can edit the yellow button in the top left corner to change the settings for this Calculator Experience.

Calculator Screen

This is a Global Template that holds Calculator Elements. Feel free to drop as many Calculator Elements as you require into the white area below. The order of the elements (top to bottom) will be their order within this Calculator Screen. You can edit the yellow button in the top left corner to change the settings for this Calculator Screen.

Can you please confirm some important details before continuing?

Confirmation

Calculator Screen

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About You

User's Gender Options

Gender

  • Male
  • Female

Partner's Gender Options

Gender

  • Male
  • Female

Calculator Screen

This is a Global Template that holds Calculator Elements. Feel free to drop as many Calculator Elements as you require into the white area below. The order of the elements (top to bottom) will be their order within this Calculator Screen. You can edit the yellow button in the top left corner to change the settings for this Calculator Screen.

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

Your Needs

Calculator Screen

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More about your existing income

Your Income

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Suitability Summary

The information provided will help form the basis of the discussion with your dedicated retirement specialists. They will ensure you are fully informed on the options available to you should you decide to use the money you have saved up in your home.

The next steps are completely free and of no obligation and will allow you to fully understand how a Household Loan may be suitable for you.

Results

We've Got You Covered

Flexibility and Choice

Meet your needs and give you confidence throughout retirement.

Personalised Service

Our retirement specialists help you every step of the way.

Responsible Lending

Responsible lending to meet your long term retirement funding needs.

No Regular Repayments Required

The loan is paid when you leave your home or anytime anytime without penalty.

Remain the Owner of
Your Home

You keep your title and continue to benefit from any increase in property value.

No Negative Equity Guarantee 

You cannot owe more than your home is worth, regardless of its value.  

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, Ivonhoe VIC

Frequently Asked Questions

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 to see how using your Household Capital could improve your retirement income so you can stay safe and Live Well At Home.


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 competitive 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 to see how using your Household Capital could improve your retirement income so you can stay safe and 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 to see how using your Household Capital could improve your retirement income so you can stay safe and Live Well At Home.


How Our Customers Rate Us

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.