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Living & Lifestyle Expenses

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Enjoy The Life You Deserve

It's our mission to help you Live Well At Home. Research shows that retirees live longer and happier lives when they’re able to stay at home; however, the suitability of the home for retirement is important. Is your home comfortable, safe and secure? Will it remain so for the next five, ten or twenty years?

To retire comfortably at home, you may need to make some minor modifications. These may be to make it easier for you to get around or be safer in wet areas such as bathrooms. It might be new guttering with a mesh insert, so there’s no need to climb ladders for regular cleaning. It might be that long dreamed of kitchen renovation!

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

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CONFIRM ELIGIBILITY

Use our online calculator to see your accessible Household Capital.

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PERSONAL CONSULTATION

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

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APPLICATION

We guide you through every step of the application process.

Why a Household Loan?


You can utilise your Household Capital via one or a range of ways from super top-up to becoming the bank of mum and dad.

Top up

Increase retirement income or set aside a contingency fund

Refinance

Refinance a mortgage or consolidate debts

Live

Fund home repairs, renovations, or expenses

Care

Cover medical, dental, in home or aged care 

Give

Gift family with a home deposit or education 

Calculate Your Home Wealth

Learn how accessing your home wealth could help you consolidate debts or increase your income.

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Frequently Asked Questions

How can a Household Loan transform my retirement lifestyle?

There are many ways in which a Household Loan could improve your retirement lifestyle. As well as making your home retirement ready, you may need capital to purchase a new car or cover significant medical costs. Some customers like the peace of mind that comes from having a contingency fund for those unexpected expenses that arise from time to time. Such expenditure can impact your retirement funding. Despite diligently saving for retirement, not everyone has a contingency fund to draw upon and pension income – whether from superannuation, the Age Pension, or both – seldom covers larger expenses. Drawing on your home equity - your Household CapitalTM- via a Household Loan can help you look forward with confidence and enjoy the retirement lifestyle you deserve. Try our home wealth calculator or call us on 1300 622 100. See how using your Household Capital could improve your retirement income. Live Well At Home™

Can I take out a Household Loan to take my family on a holiday?

Our focus is on providing responsible, long term retirement funding. While a Household Loan can be used to fund travel as part of a broader retirement funding plan, we don't lend solely to fund holidays. Try our home wealth calculator or call us on 1300 622 100. See how using your Household Capital could improve your retirement income. Live Well At Home™

How can a Household Loan make my life easier?

There are so many ways a Household Loan can transform your retirement. Here are a just few:

  • It can act boost your regular income so you can do more with retirement
  • You can use it to top up super or other investments
  • You can help your kids get onto the property ladder
  • You can help pay your grandkids education expenses
  • If you have a bank mortgage, you can repay it and improve your cash flow
  • You can renovate or modify your home to get it retirement ready
  • Comfortably cover medical costs, health insurance and other bills
  • Pay for your choice of in-home or residential aged care
Try our home wealth calculator or call us on 1300 622 100. See how using your Household Capital could improve your retirement income. Live Well At Home™

Can I use a Household Loan to renovate my home?

It’s important that your home is as safe and comfortable as possible for your retirement years - and you can use a Household Loan to make appropriate renovations or modifications. That might mean installing a stairlift, handrails or a ramp for safety. It might mean a new kitchen, bathroom, or landscaping to make your garden less labour intensive. You can also hire a handyman to do those odd jobs, so there’s no risk of injury trying to DIY. You can access your Household Loan as a lump sum, which you can then use to make the necessary renovations to make your home retirement ready. Try our home wealth calculator or call us on 1300 622 100. See how using your Household Capital could improve your retirement income. Live Well At Home™

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

How Our Customers Rate Us

 

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