Have questions or concerns which have not been addressed by your welcome pack or FAQs below?
Customer Support M-F 9am-5pm AEDST
Frequently Asked Questions
How do I access my contingency funds?
If you’re not sure how to access your contingency funds, then you can call us at 1300 622 100.
Otherwise, please send an email to [email protected] with the following details concerning your drawdown request:
Date of birth
Amount you wish to drawdown
We review our support inquiries Monday-Friday, and will get back to you if we require any additional information to process.
How do I change my account details?
If you need to change your account details such as contact info, power of attorney, marital status, occupancy, etc., then please do either of the following:
Call us at 1300 622 100 to request the change to your account details
Enter your user number from the settlement letter, email address, and date of birth. Note: If the information you enter doesn’t match our records you’ll encounter issues so please contact us at 1300 622 100, if needed.
You will be asked to identify you are not a robot and enter a ‘Captcha’ Code. Suggest you keep using the grey ‘Refresh’ button on the left of the numbers until there is one that is nice and clear to read and enter.
If entered correctly, you will get a PIN sent to your mobile number associated with your account when your loan was created. If it doesn’t match, then you will be unable to complete your registration.
Enter the PIN
Agree to the Terms and Conditions
Set up 3 security questions using the drop down option.
The first is your mother’s maiden name.
Then there need to be two more (unique) questions.
If you have problems at this stage, it is possibly a browser problem and you may need to try a different browser.
Your password will be sent to your mobile.
Upon receiving the randomly generated 8 characters on your mobile you’ll need to log into your account for the first time by going to the customer portal.
Enter your user number and enter the random 8 characters generated password received on your mobile, and select Login.
Enter your user number and password, and select Login
You are now logged into your account.
How do I change or manage my account password?
You can change or manage your password in the 'manage' section of the customer portal. You must have already completed the First Time Registration process to be able to change/manage your password.
To manage/change your password you do the following:
Log onto the Customer Portal
Click on ‘Manage’ in the top right hand side of the screen.
Choose ‘Your Details’
You will get sent a PIN to your linked mobile phone.
Enter the PIN and choose ‘Authorise’ then ‘Change’
Choose a new password with the following minimum requirements:
To make a payment you will need to have internet or phone banking and to know your BPay details. To find your BPay details on the portal use the steps below. Otherwise you can call customer support who can give you these details over the phone.
Go to our customer portal and login using your user number and password. If you’ve never registered for our customer portal, then please follow the first time registration FAQ.
Go to the Account Details section and scroll down to the BPAY Details to find your BPAY details (Biller Code and Reference)
Pay as much or as little as they like at anytime.
Note: Paying the loan balance down to $0 is not the same as discharging the loan.
Can I pay down my loan, but not close my account?
If you pay your loan to $0 and don’t complete paperwork to discharge your loan, then we keep the account open if there are undrawn funds associated with your account.
Note: Interest is only charged to your account monthly. Please be aware that when you pay your loan to $0, accrued interest may still be charged to your account at a later date giving you a positive balance again.
How do I access information about my account?
Information on your account is available through our customer portal. If you are unable to access your account online, then you can also contact our customer service team by calling us at 1300 622 100
When do I need to repay the loan?
We need to be made aware of the following changes in your circumstances with regards to your loan status and repayment.
When you sell your home you’ll need to repay your loan as part of the sale.
When all borrowers or Nominated Occupants have passed away. The estate has 365 days to repay the loan.
When all borrowers or Nominated Occupants leave the home to move into aged care we need to be informed. The loan will be reassessed every 2 years in this situation.
How do I change my drawdown amount or frequency?
Call us at 1300 622 100 or send an email outline what you’d like to change to [email protected] so we can review feasibility depending upon your loan.
Can I redraw funds that I have repaid?
No. Sorry, but we don’t offer this option today.
I want to sell my home. What do I need to do?
If you sell the home, then the loan needs to be discharged as part of the sale.
To discharge your loan you’ll need to do one of the following:
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Because it’s a third-party platform, you can be confident these reviews express a genuine option about each customer’s experience with Household Capital.