Build or renovate your dream home
Fund home improvements to make your home safe and comfortable for years to come. If you’re an Australian homeowner over 60, a reverse mortgage from Household Capital enables you to unlock the wealth in your home to support your long-term financial wellbeing.
How home equity can fund your renovation
Using your home equity to renovate gives you the financial flexibility to create the home you want while protecting your retirement income and staying where you love.
Fund Home Renovations
Use a lump sum or regular draw-downs for renovations, extensions, or accessibility upgrades
Fund garden improvements
Fund landscaping, outdoor spaces, or long-term garden enhancements
Your home has the potential, we'll help you unlock it
After years of building equity in your home, you deserve to enjoy it. Whether it's creating a more comfortable living space, adding accessibility features, or building an extension for visiting family, your home equity can make it happen without affecting your day-to-day retirement income.
How Paul & Marilyn rebuilt their dream home
Paul and Marilyn’s South Coast home was their dream retirement haven—until the 2019 bushfires left it in ruins. With banks offering no solutions, it was Household Capital that helped them rebuild, regain control, and enjoy their retirement in comfort.
Unlock the money in your home in three simple steps
Getting started is simple. We’ll help you understand what you’re eligible for, and support you through each step of the application process.
Calculate now
Use our simple calculator to check your eligibility and see how much money you could unlock.
Talk to a specialist
Book a meeting with one of our Australian-based retirement specialists to discuss the process and answer your questions.
Complete your application
Our friendly team is with you every step of the way, making the process simple and stress free.
Check your home wealth in minutes
Chat with one of our Australian-based team members
From general questions to specific details about our Household Loan, our friendly team is available Monday to Friday from 9am to 5pm AEST.