Helping Australians Live Well At Home

Access the lifetime savings in your home

You could be better off in retirement

Retirees typically fund their retirement using a combination of savings in superannuation and other investments, as well as the Age Pension. However, many Australians retire without enough superannuation to fund a comfortable retirement and maintain the lifestyle they worked hard to enjoy.

Household Capital can make another avenue of retirement funding available to you. We enable you to draw on your home equity, or the savings in your home, via a Household Loan. It allows you to access a portion of your home’s value to meet your long term retirement needs.

Your home can be both the best place to live and the right way to fund your own retirement

A Household Loan is our innovative approach to borrowing against home equity for responsible, long-term, retirement funding.

Our loan is structured as a reverse mortgage, which means you remain the owner of your home. Importantly, legislative protections mean that you can stay in your home as long as you want to, you only need to repay the loan when you leave your home and you cannot end up owing us more than the house is worth.

Some Frequently asked questions

A Household Loan is our innovative approach to borrowing against home equity for responsible, long-term, retirement funding. Our loan is structured as a reverse mortgage.

A reverse mortgage allows you to borrow money using the equity in your home as security. Interest is charged like any other loan, but you don’t need to make repayments while you live in your home. The loan must be repaid in full if you sell your home or die or, in most cases, if you move into aged care.

Please see the Reverse-Mortgage-Information-Statement.pdf for more information.

To find out more about reverse mortgages, including a reverse mortgage calculator to help you work out how much equity you may have in the future, visit the Australian Securities and Investments Commission’s free consumer website at

As our loans are structured as a Reverse Mortgage you benefit from key structural and legislative protections.


You remain the owner of your home (and benefit from any increase in property value)

Lifetime Occupancy

You can stay in your home for as long as you want to

No Regular Loan Repayments

There is no requirement for you to make periodic loan repayments (although you can do so at any time). The loan becomes repayable when you leave your home.

No Negative Equity Guarantee

You cannot end up owing us more than the house is worth.

These protections are subject to you not materially breaching our loan contract terms and conditions.

The interest rate on a Household Loan is a variable rate of 5.15*% per annum (which is Australia’s lowest rate for a reverse mortgage or equity release product).

*The Comparison Rate based on a loan of $150,000 for 25 years is 5.21% per annum. Fees and charges may be payable. Note: this comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

The Age Pension is an important source of income for many retired Australians. We can work with you to understand how a Household Loan can be used to preserve your pension entitlements.

You are required to get appropriate financial advice to determine how best to deploy your home equity to ensure improved long-term retirement funding. A financial adviser can help structure your financial affairs to maximise entitlements to the Age Pension.

You are required to get appropriate legal advice to ensure you understand your rights and obligations and to confirm that a Household Loan is right for you.

How does this help me?

Explore your potential Household loan using our needs-based calculator.

Why choose us?


Responsible lending

We ensure you access your home equity responsibly and sustainably to meet your long term retirement needs


Personal approach

Your circumstances are unique. We want you to discuss your options openly with us, your family and your adviser to achieve your best possible outcome


Competitive rates

We offer the lowest comparable interest rate, transparent fees and no exit or other penalties



We provide total flexibility – make no interest payments, interest-only payments or repay your loan at any time

What is our process?



Explore your retirement funding needs and determine how much you may be able to borrow using our calculator


Personal Consultation

Meet with one of our retirement specialists to assess whether a Household Loan might be right for you using our innovative software



Complete your application, which includes all the relevant information and documentation in a single pack


Receive Funds

Use the proceeds of your Household Loan and Live Well At Home

Want to speak to an expert?

We have an experienced team of retirement specialists who can help you explore your objectives and assess whether a Household loan might be right for you.


Fiona Navarro

Retirement Specialist


Esther Angrisano

Retirement Specialist


Chris Moutzikis

Retirement Specialist


Shelley Wettenhall

Retirement Specialist


Richard Chesworth

Retirement Specialist