Search Icon

What are you doing with your Household Capital?

Your home. The best place to live. 
The right way to fund your retirement.

With Household Capital, you can access the wealth in your home to fund the lifestyle you want. You can improve your retirement funding to live with comfort and confidence in your own home. After all, your home can be both the best place to live and the right way to fund your retirement.

Tell us about yourself?

(please select single or couple)




Home Value - Estimate

You may be eligible for a loan of up to:

Current Home Value



Maximum Amount

Provide your details to receive your free personalised summary

Your personalised summary describes how a Household Transfer could be used to improve your retirement funding. It includes important information about the effect on your available home equity over time, based on a loan of

Thank you.

Thank for your interest in using a Household Transfer to improve your retirement funding. One of our retirement specialists will email you with your personalised summary within the next two business days.

How you can use a Household Loan

Top Up

  • Improve income
  • Help super last longer
  • Contingency planning


  • Repay your home loan
  • Improve cash flow
  • Consolidate & repay debt


  • Improved income
  • Boost investment portfolio
  • Contingency planning


  • Avoid in-home care waiting lists
  • Fund aged care deposits & fees
  • Increased choice & flexibility


  • First home buyers
  • Grandkids education
  • Help in times of hardship

My husband needed to enter a residential aged care facility while I wanted to stay at home. A Household Loan enabled us to pay a Refundable Accommodation Deposit on his facility of choice and, at the same time, meant I could stay in our family home. This was really important to me, it's where all my memories are. I didn't want to have to move out.

Rose & Jack


More info on Aged Care >

"We worry about running out of money in retirement. But I’ve always realised there is wealth in the home. We’ve always worked for the long-term. This is a long-term approach"

Sue & Peter


More info on Super Top Up >

We want to fund our granddaughter to be able to take a year’s maternity leave to spend with our future great grandchild. It’s such a special time for mother and child but without pay, she needs to return to work to be able to contribute to their mortgage.

Sophia and Joe

Brisbane QLD

More about Bank of Mum and Dad >

I needed to modify my home so I can comfortably stay here for a few more years before moving into aged care. It’s kept me anchored to my community, which is really important to me.


Mornington VIC

More info on Living a comfortable retirement >

It was such a relief to cover what was left of our mortgage and not have to stress about meeting the repayments each month. Now our income covers those things I was looking forward to in retirement - day trips, time with the grandkids and indulging our passion for movies.

Debbie and Bill

Ivanhoe Vic

More Refinance Info >

Note: customer names and images have been changed to protect their privacy.

Your home can be both the best place to live and the right way to fund your retirement 

A Household Loan is our innovative approach to borrowing against home equity for responsible, long-term, retirement funding.

Our loan is structured as a reverse mortgage, which means you remain the owner of your home. Importantly, legislative protections ensure you can stay in your home as long as you want to, you only need to repay the loan when you leave your home and you cannot end up owing us more than the house is worth.

Our Household Loan provides flexibility and choice so you can look forward with confidence.

Why choose us?

Consumer Protections 
A strong regulatory environment provides you with a range of consumer protections

Personalised Service
Our retirement specialists are available to help you every step of the way 

Lowest Interest Rate
We offer the lowest comparable rate, transparent fees & no exit or other penalties

Responsible Lending
A focus on responsible lending to meet your long term retirement funding needs

Flexibility & choice to meet your needs and give you confidence throughout retirement

 Consumer protections

Guaranteed lifetime occupancy

You can stay in your home for as long as you want to. Guaranteed lifetime occupancy means you can’t be forced to sell or move.


You remain the owner of your home, and continue to benefit from any increase in property value.

Regular repayments are not required

You don’t have to make periodic loan repayments, although you can choose to do so. The loan becomes repayable when you leave your home, or can be repaid anytime without penalty.

No negative equity guarantee

You cannot end up owing us more than your home is worth, irrespective of its value.

Its as easy as 1, 2, 3!

Household Capital - personal consultation icon - blue


Use our simple online calculators to check your eligibility and see how much Household Capital you can access.

Household Capital - apply icon - blue


Explore your retirement funding needs during an online meeting with one of our retirement specialists. Personal, one-on-one service is important to us.

Household Capital - receive icon - blue


Complete the application process, secure in the knowledge that there’s always someone available to help along the way.

 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

What is the interest rate?

The interest rate on a Household Loan is a variable rate of 5.15*% per annum, which is Australia’s lowest rate for a reverse mortgage or equity release product.

*The Comparison Rate based on a loan of $150,000 for 25 years is 5.21% per annum. Fees and charges may be payable. Note: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

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.

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.

How does Household Capital make money?

Watch our short video where Luke Rattigan, Household Capital's Chief Operations Officer explains how we make money.

Latest reviews

What our customers are saying.

How much home equity can you access?

Whether you need income, capital, or a mix of the two, try our easy to use calculators to see how you could transform your retirement with a Household Loan.

Request your free information pack

Phone Icon

Call us free today for a chat on   1300 622 100