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Improve your retirement funding with our free guide

Retirement should be an exciting stage of life. Australians are living longer, healthier lives now, and can look forward to enjoying up to thirty years in retirement. More time with family and friends, a chance to embark on new passions or enjoy old hobbies.

Long, healthy lives will enable Australians to spend a greater part of their retirement living
independently. Research has shown that people who are able to spend their retirement in their own homes generally experience better health and wellbeing. We can expect to live – and need to plan for – around 25-30 years in retirement.

Unfortunately, retirement isn't looking so golden for many Australians. Compulsory superannuation was introduced only after many retirees were well into their working lives. Consequently, many don’t have sufficient savings to see them through up to thirty
years of active retirement, even with the Age Pension.

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 that could be used to improve your retirement funding and enhance your retirement lifestyle.

After all - your home can be both the best place to live and the right way to fund retirement.

improve retirement funding with household loan guide

What you get in the guide

This guide has been designed to answer all the questions you might have about using home equity to improve your retirement funding. It explores a range of topics, including:

  • The amount of money required to fund a comfortable retirement
  • An overview of Australia's retirement funding system and the role of home equity
  • An explanation of different ways you can access home equity; downsizing, home reversion schemes and reverse mortgages
  • An in-depth review of our Household Loan
  • Analysis of the purposes for which retirees may use a Household Loan
  • Details of important consumer protections
  • Frequently asked questions, which cover off a range of eligibility requirements.

Who should download the guide?

You should download this guide if:

  • You are aged 60 plus 
  • You’re already retired or are planning to retire in the near future
  • You have equity savings in your home
  • Your would like to improve your retirement funding.

What are you doing with your Household Capital?

Download your FREE retirement funding guide now

Download Gated Resource

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Call us free today for a chat on   1300 622 100

The guide to home equity retirement funding

A retirement villa, a lifestyle village, downsizing to a small unit or apartment…they’re generally not at the top of the bucket list for most Australian retirees.

Australians prefer to stay in their own home in retirement - and why not? Your home is the hub of family life - in some cases, for many years. It has borne witness to events and milestones, and many memories are stored within its walls.

A familiar location can influence your perception of safety, help to maintain social connections within your community, and provide access to services and proximity to family and friends.

The one thing that can hold retirees back from enjoying a comfortable retirement in their family home is money - or lack of it. 

Did you know your family home could hold the key to improved retirement funding?

This guide examines strategies for using your home equity - the savings in your home - to provide access to income and capital. We detail the pros and cons of each strategy so you can determine which might be the best for you. 

home equity retirement guide

What you get in the guide

You've worked hard and have earned a comfortable retirement. The equity in your home - your Household CapitalTM - can be added to your super and any Age Pension entitlement to increase your retirement funding. This guide includes an explanation of home equity; how it works and how you can access it, including:

  • Downsizing - what it entails, the pros and cons
  • Home reversion schemes - how they work, the pros and cons
  • The Centrelink Pension Loans Scheme - how it varies from a traditional reverse mortgage, pros and cons
  • Reverse mortgage - a compound interest explainer, pros and cons, and other important details.

Who should download this guide?

If you're considering using home equity, you should feel confident the choice you make is the right one for you and your family. Download this guide if:

  • You are aged 60 plus
  • You’re already retired or are planning to retire in the near future
  • You have equity savings in your home
  • You would like to know more about the different options available to you
  • You would like to increase your retirement funding so you can Live Well At Home.

What are you doing with your Household Capital?

Download your home equity retirment funding guide

Download Gated Resource

  • This field is for validation purposes and should be left unchanged.
Phone Icon

Call us free today for a chat on   1300 622 100

Strategies to transform your retirement guide 

Every Australian deserves a comfortable retirement. You've worked hard and probably have a list of things you'd like to do during retirement.  This free e-book will examine how your home can boost your retirement funding.

Retirement should be an exciting stage of life. Australians are living longer, healthier lives - for most, that means up to 30 years in retirement. The main thing holding many people back from realising their retirement dreams is adequate retirement funding.

This downloadable guide examines how we can help you access your Household CapitalTM, the savings in your home, to improve your retirement funding.

Whether you need income or capital, this guide explains how a Household Loan works and how you can use it.

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What you get in the guide

Australians prefer to stay in their own home as they age and why not? Your family home has been the centre of your life for years; it has witnessed events and milestones, and
many memories are stored within its walls. This guide outlines how you can use your home equity to have the best of both worlds - stay at home and enjoy a comfortable retirement lifestyle. It includes information about our Household Loan, as well as explanations and case studies examining the different ways you can use a Household Loan. These include:

  • Regular income - set up a fortnightly or monthly income stream
  • Refinance - free up your cash flow by paying out your home loan
  • Live - renovate your home, replace your car or pay medical expenses
  • Top-up - add to super or other investments
  • Give - be the 'bank of mum and dad' and help kids and grandkids when they need it most
  • Care - get the best of in-home or residential aged care.

Who should download this guide?

It's important to us that you feel confident in retirement. If you want to improve your retirement funding and Live Well At Home, you should consider the role home equity can play in transforming your retirement.

Download this guide if:

  • You are aged 60 plus
  • You’re already retired or are planning to retire in the near future
  • You have equity savings in your home
  • Your retirement savings are insufficient to fund 30 plus years of retirement.

What are you doing with your Household Capital?

Download your retirement transformation ebook

Download Gated Resource

  • This field is for validation purposes and should be left unchanged.
Phone Icon

Call us free today for a chat on   1300 622 100

Have you been thinking you’d like to do more with your retirement? 

Australia’s retirees typically fund retirement using a combination of savings in superannuation and other investments, plus the Age Pension.

Unfortunately, this often falls short and the rising cost of living makes it increasingly difficult to make ends meet. It can certainly interfere with retirement plans and make it hard to maintain the lifestyle you worked hard to enjoy.

There is another option available to Australia’s senior homeowners – the wealth built up in your home.

Through a Household Loan, you can draw on your home equity - what we call your Household CapitalTM. It enables you to access
a portion of your home’s value to meet your long term retirement needs.

Your Household Capital can help you meet a range of needs...after all, you deserve to feel confident throughout their retirement. 

We can help meet those needs by enhancing retirement income, providing access to capital and improving retirement housing.

We want you to have the best of both worlds – to continue living in your family home with the confidence to enjoy the retirement lifestyle you deserve. We want you to Live Well At HomeTM.

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What you get in the guide

Our guide provides you with the information you need to understand how using home equity can transform your retirement and the details you need to make an informed decision. It includes:

  • What is home equity?
  • What is a Household Loan?
  • What can you do with your Household CapitalTM?
  • How does a reverse mortgage work?
  • What is the eligibility criteria?
  • How much can you borrow?

Who should download the guide?

If you’re looking forward to a long, comfortable retirement and want to spend it living in your own home, this guide is for you. It’s particularly valuable if:

  • You're aged 60 plus 
  • You’re already retired or are planning to retire in the near future
  • You have equity savings in your home
  • Your retirement savings are insufficient to fund 20 plus years of retirement.

What are you doing with your Household Capital?

Download your free retirment funding guide

Download Gated Resource

  • This field is for validation purposes and should be left unchanged.
Phone Icon

Call us free today for a chat on   1300 622 100