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Unlock the wealth in your home.


Your Home For Life

What is home equity and how can it improve your retirement?

Your home equity, or as we like to call it, your Household Capital ™, is the difference between the market value of your home and any outstanding debt you may have against it.

Along with your superannuation and pension entitlements, home equity is one of the three pillars of retirement funding. While many people access their home equity by selling their home or downsizing, doing so isn’t always necessary – and that’s where Household Capital comes in.

As a homeowner aged 60 plus, you can use a reverse mortgage, one of the most popular equity release products, to fund a more comfortable retirement and give you confidence in your future. This might come from establishing an additional income stream, renovating your home to make it retirement ready, or from setting up a contingency fund for those unexpected expenses.

Why we're different

Low Interest Rate
9.20% Variable
9.23% Comparison*

Consistently low rate so you can access more of your home equity.

Flexibility and Choice

Adjust as you go with flexible drawdown options.

Personalised
Service

Our award winning retirement specialists help you every step of the way.

Specialist
Provider

We only provide retirement funding so we understand your needs.

Calculator Experience

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Calculator Screen

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Age & Status

Calculator Screen

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Home & Value

Did you know?

Tax free funds
No regular repayments required
Low interest rate

Calculator Screen

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Summary Form

Confidentiality

We're committed to protecting your personal information.

Calculator Screen

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Congratulations!
You're eligible to unlock your available Household Capital™.
A retirement specialist will call you shortly.

Results

Apply Now
"It'll change your life" - Ray

Watch Testimonial

Pre-Qualification Experience


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Calculator Screen

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About You

About Household Loans

No Negative Equity Guarantee
Low variable interest rate 
No regular repayments required

Calculator Screen

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

Your Needs

Considerations
We focus on responsible lending
Flexibility and choice

Australian Owned and Operated

Calculator Screen

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More about your existing income

Your Income

Calculator Screen

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The information provided will aid the discussion with your dedicated retirement specialist so that you are fully informed on the options available and understand how a Household Loan may be suitable for you.

The next steps are completely free and of no obligation. 

Results

It's As Easy As 1, 2, 3!

HHC Icon - _PERSONALISED CONSULTATION
CONFIRM ELIGIBILITY

Use our online calculator to see your accessible Household Capital.

HHC Icon - _APPLY
PERSONAL CONSULTATION

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