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Household Loan
Pension Boost Service
Home Equity Access Scheme
Refinance for 60+
Retirement Loans To Meet Your Needs
Tax Free Funds
No Regular Repayments Required
Consistently Low Rate
Award Winning Company
Tax Free Funds
Consistently Low Rate
Award Winning Company
Compare Retirement Loans
If you’re like most Australian retirees, the majority of your wealth is probably locked up in your family home. This wealth is a valuable resource you can use to improve your retirement funding and take control of your future. After all, you’ve worked hard and deserve a comfortable retirement.
Household Loan
Pension Boost Service
What are the Options?
Our Household Loan enables you to unlock the wealth in your home and draw a regular income or a capital sum. You can also draw a mix of capital and income – you’re in control.
Unlocking your home equity provides you with the best of both worlds – to continue living in your family home with the retirement funding and confidence to enjoy the lifestyle you deserve.
Our Pension Boost service helps Australian seniors access their home equity through the government’s Home Equity Access Scheme (HEAS).
As specialists in working with this scheme, we take care of the application process and remove the barriers that are sometimes encountered when dealing directly with Centrelink.
Commonly Used For
Increased retirement income to enhance your lifestyle
Home modifications and renovations
Meet your in-home and aged care needs
A modest increase to retirement income
Capital available for smaller expenses or projects
Basic home maintenance
Key Benefits
All funds are tax free
Maintain 100% ownership of your home
Guaranteed lifetime occupancy
No Negative Equity Guarantee** never owe more than the fair market value of your house
No regular payments required until you move or sell
Get up to 150% of the maximum Age Pension (minus whatever Age Pension you receive)
Avoid having to sell your home, downsize or relocate to a retirement home
Our specialists take care of the entire application process and continue to review your entitlements
Details
| Min Loan Amount | $50,000 |
| Max Loan Amount | $1,000,000 |
| Max LVR | 50% |
| Principal and interest | |
| Variable interest rate |
| Max Loan Amount | 1.5 times Full Age Pension |
Eligibility
Australian home owner or mortgagee
Age 60+ ( you and your partner)
Property in an eligible postcode
Primary residence, holiday homes & investment properties available for security
Australian home owner or mortgagee
Age 67+ ( you and your partner)
Available in most postcodes
No minimum appraisal value
Pensioners and self-funded retirees
Compare Retirement Funding Loans
If you’re like most Australian retirees, the majority of your wealth is probably tied up in your family home. Your Household Capital™,
or home equity, is a valuable resource you can use to improve your retirement funding and enhance your retirement.
Household Loan
What Is It?
Our Household Loan helps you access your home equity as a capital sum, an income stream, or a mix of the two.
It aims to provide you with the best of both worlds – to continue living in your family home with the retirement funding and confidence to enjoy the lifestyle you deserve.
Best Used For
Maintain your retirement lifestyle
Home maintenance and renovations
Help your kids buy a home
Key Benefits
All funds are tax free
Maintain 100% ownership of your home
Guaranteed lifetime occupancy
No Negative Equity Guarantee** never owe more than the fair market value of your house
No regular payments required until you move or sell
Details
| Min Loan Amount | $50,000 |
| Max Loan Amount | $1,000,000 |
| Max LVR | 50% |
| Principal and interest | |
| Variable interest rate |
Eligibility
Australian home owner or mortgagee
Age 60+ ( you and your partner)
Property in an eligible postcode
No minimum appraisal value
Primary residence, holiday homes & investment properties available for security
Pension Boost Service
What Is It?
The Household Capital Pension Boost service helps Australian seniors access their home equity through the HEAS.
As specialists in the government scheme, we take care of the complete application process and remove the hassle and barriers that often come with dealing directly with Centrelink.
Best Used For
Assist seniors with their HEAS application
Determine best type of HEAS loan for seniors
Provide ongoing reporting and reviews of cash flow needs and HEAS loan level
Key Benefits
Get up to 150% of the maximum Age Pension (minus whatever Age Pension you receive)
Avoid having to sell your home, downsize or relocate to a retirement home
Our specialists take care of the entire application process and continue to review your entitlements
Details
| No Minimum Amount | $50,000 |
| Max Loan Amount | 1.5 times Full Age Pension |
Eligibility
Australian home owner or mortgagee
Age 66 and 6 months or 67+ ( you and your partner)
Available in most areas
Does not have to be a pensioner
Calculate Your Home Wealth
Learn how unlocking your home’s wealth could enhance your retirement and provide you with confidence and control.
