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Retirement Loans To Meet Your Needs

Home > Retirement Loans Comparison – Household Capital™

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

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.