We’re hearing the same thing from retirees Australia wide – retirement funding is being squeezed by the current financial crisis.

At a time when you might have expected to be living your retirement dream, instead you have to worry about your retirement finances. After all, the bills don’t stop when work stops.

While the health crisis was both sudden and unforeseen, so too is the resulting financial crisis. Super balances have been severely reduced, term deposit savings accounts have been squeezed further by the banks, dividends have been slashed and rental income streams dried up.

While the government has provided support in some quarters, for retirees it’s been minimal – and then, only if you receive a pension.

It’s our mission to help you Live Well At Home. We can support you to do that by providing accelerated access to the wealth accumulated in your home, your Household Capital, as either an income stream or capital payment.

Our Home Income solution can help you to replace lost income over the short to medium term, or supplement your retirement income over the longer term, to ensure you have choice and flexibility when it comes to meeting your retirement needs.

Our $20k Top Up is a $20,000 contingency fund you can use to cover the bills and unexpected expenses, small renovations or meet other needs.

Australian retirees feel safe in their home. We want you to feel safe in your retirement too.

Home Income

Learn more about Home Income and try out our easy to use calculator.

20K Retirement Top Up

Learn more about our 20K Top Up and try out our easy to use calculator.

How does a Household Loan work?

A Household Loan allows you to access the equity in your home through a loan facility that doesn’t require repayment until you vacate the property.

The amount you can borrow is a function of your age and the value of your home. The older you are, the more you can borrow. The Loan to Value ratio – or LVR – increases by 1% for each year older than 60.

As a guide, if you’re aged 60, the maximum amount you can borrow is 15% of the value of your home and if you’re aged 75, the maximum amount you could borrow would be 30%.

How have our customers used their Household Loan?

Our customers have approached us with a diverse range of needs. They have transformed their retirements in a range of ways, including:

  • Setting up a regular fortnightly or monthly income stream
  • Refinancing an existing mortgage and freeing themselves of that monthly payment to the bank
  • Renovating or modifying their home to ensure it’s safe and comfortable for retirement
  • Covering unexpected medical expenses
  • Buying a new car
  • Helping children or grandchildren with first home buyer’s deposits or educational expenses
  • Funding in-home care expenses
  • Transitioning to residential aged care.

We find a lot of people simply like the security that comes from having a contingency fund for those unexpected expenses that can crop up from time to time.

Get more out of your retirement



Renovate your home or help fund your transport and travel.


Top Up

Increase your super, investments or contingency funds.



Refinance your existing mortgage (choose whether or not to make repayments).



Fund your medical expenses, in-home care or aged care requirements.



Help your family with funding a home deposit or education expenses.

See how our reverse mortgage, the Household Loan, could improve your retirement.
Try our simple calculator