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Unlock the wealth in your home.


Your Home For Life

Calculate My Wealth

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

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"It'll change your life" - Ray

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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

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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.

HHC Icon - _RECEIVE FUNDS
APPLICATION

We guide you through every step of the application process.

Bill
“I feel I'm living again and the amount of money that one is using on the house is just a capital gain.”
Bill
Retiree, Cooroibah QLD
Mette
“Household Capital has made me feel free and I can do what I want because of Household Capital, so it was the best thing I ever did.”
Mette
Retiree, Gold Coast QLD
Nan and John
“We've always thought that retiring would be nice, but we never thought it would actually happen. But we've finally done it.”
Nan and John
Retirees, Gold Coast QLD
Chris
“Household Capital has given me the chance to realise a small portion of the equity in my home and it’s been a win-win situation for me”
Chris
Retiree, QLD
John
“Getting money from Household Capital, I don’t have to sell the property and go into a smaller property.”
John
Retiree, Woody Point QLD
Raelene
“I feel a lot more comfortable now and I know that I’m able to pay my bills.”
Raelene
Retiree, NSW
Lynne
“I saw an ad on TV for Household Capital, so I decided I would apply and I now have my new car.”
Lynne
Retiree, Blacktown NSW
Dennis
“To have that equity and keep the same house is just a wonderful way to be able to progress into our retirement.”
Dennis
Retiree, Sydney's inner west NSW
Colin and Sandy
“I’ve still got my beautiful car, and we’ve also got an income coming in thanks to Household Capital, and our retirement looks much brighter in the future.”
Colin and Sandy
Retirees, Macedon Ranges VIC

We've Got You Covered

No Regular
Repayments
Required

You improve your retirement income - no regular repayments required.

Remain the
Owner of
Your Home

You keep full ownership and continue to benefit from any increase in property value.

Tax Free
Funds

You get to access your home equity tax free.

Your Home,
Your Wealth

Housing and funding for life. Live Well At Home™.

Frequently Asked Questions

Read More FAQs

How Our Customers Rate Us

Award Winning Company

state finalist 2023
finnies 22 reduced 2000 transparent
Telstra Business Awards Finalist 2022
Household Capital's Fintech Finalist Badge award 2020

Disclaimer: Comparison rate based on a secured loan of $150,000 over a 25 year term. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates.

Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. ^Amounts spent will be added to your Household Loan and accrue interest like any other funds drawn via your Household Loan.