Our story

Household Capital was born from a fundamental shift in how we view ageing. Our founder, Josh Funder, previously led research at the think tank Per Capita, where he sought to reframe the "grey tsunami" not as a challenge, but as an unprecedented period of life to be celebrated. This research revealed a critical gap: while millions of retirees were "asset-rich," they lacked the liquid funding to truly thrive. Josh and our founding team set out to reframe ageing as an opportunity, focusing on the pillars of financial adequacy, housing and community connectedness

Recognising that the key to a better retirement was already held in the home equity of retirees, we built a digital-first solution to unlock that potential. We have fundamentally transformed the lending landscape for older Australians by pioneering a proprietary technology platform. In an industry where innovation has often stalled, our digital-first approach provides tailored, needs-based solutions. This technology empowers Australians over 60 to confidently access their wealth, helping them achieve the mission to Live Well At Home™.

Our success and long-term vision have earned the confidence of leading global capital markets, securing significant debt and equity funding. These partnerships provide the robust financial foundation required to scale our operations and continue innovating. Looking ahead, we are expanding our presence in global markets—not just as a participant, but as a value-adding leader.