Financial Advisers and Professionals

"Our retired clients can stop worrying about running out of money.

With the right advice, retirees take the right amount out of their home capital and top up their pension.
You get additional income to enjoy your life and benefit from your lifelong hard work."

- Liam Diggin, CEO & Founder, Mentor1 Financial Services

We help fund Australia’s retirees with access to home equity

Our Household Loan is a variable rate reverse mortgage that comes with a range of consumer protections for your clients.

A Household Loan can be drawn as:

  • an income stream
  • a lump sum to meet capital needs, such as health care, travel or renovations
  • a combination of income and capital, depending on your client's needs and existing financial assets

Loans can also be used to fund clients' aged care needs, including in-home care, RADs or DAPs.

In the case of high net worth clients, a Household Loan can facilitate intergenerational wealth transfer, gifting to children or grandchildren in situations where a client does not wish to sell down their income generating investment assets.


No Regular



Working together

We recognise that retiree lending requirements represent a small number of your overall client needs; accordingly, it’s likely that you’re less familiar with your obligations when discussing a reverse mortgage. To support you, we provide a simple referral arrangement to meet the needs of your:

  • retiree clients
  • aged care clients
  • your clients parents
  • family or friends

A simple process

We complement your business with a simple process. You can use our calculator to run a quick assessment or complete a more detailed projection to support an initial client conversation.

Alternatively, we can liaise directly with your clients. Once your clients have indicated an interest in proceeding, we handle the rest. Your client receives personalised service and you receive updates at key milestones throughout the process.

Client Projection

Refer a Client

Client Brochure

Product Specifications

It was such a relief to cover what was left of our mortgage and not have to stress about meeting repayments each month. 

Debbie and Bill
Retirees, Ivanhoe VIC

Why we're different

Low Interest Rate

Lowest available rate so you can access more of your home equity.

Flexibility and Choice

Adjust as you go with flexible drawdown options.


Our award winning retirement specialists help you every step of the way.


We only provide retirement funding so we understand your needs.

Client Referral Form

Frequently Asked Questions

Where can I find your application forms and supporting documents?

Household Capital have all the required collateral and documents available through the links on this site. We recommend you download a new form for each application as we regularly update our collateral to improve broker and customer outcomes.

Who do I contact to discuss a scenario

Please contact our Retirement Specialists directly to discuss a particular client.

Fiona Navarro 0488 070 605  [email protected]

Esther Angrisano 0488 101 216  [email protected]

Or Call our Melbourne Office on 1300 622 100