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Reverse Mortgage Calculator

Access your home wealth in retirement


No Regular



Our reverse mortgage calculator demonstrates how much home wealth you could unlock to improve your retirement funding.

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 Frequently Asked Questions

How do I use the calculator?

The reverse mortgage calculator requires several key inputs:

  • Your name, phone number and email so we can send you a summary document of your results
  • The age of the borrower/s (note: the youngest borrower must be aged 60+)
  • Whether your home is a house or apartment
  • Your postcode
  • The estimated value of your home (which needs to be at least $600,000 AUD)

Once you submit that information, if eligible, you’ll see an estimate of the amount you may be able to borrow.

If you have any questions regarding our reverse mortgage calculator, call us on 1300 169 046. See how using your Household Capital™ could improve your retirement income and help you Live Well At Home™.

How are reverse mortgages calculated?

Your age and home value are used to calculate your loan-to-value ratio (LVR). This must comply with the maximums prescribed by the Australian Securities and Investments Commission (ASIC). This determines how much home equity you can access.

Who should use the reverse mortgage calculator?

If you’re aged 60 or over and would like to pay out a bank mortgage, improve your retirement income or draw a capital sum for renovations or a new car, you should use our reverse mortgage calculator to see how using your home equity could transform your retirement.

Do I have to make monthly payments on a reverse mortgage?

We offer flexibility and choice; you decide if you want to do so or not. Depending on what best suits you, you can get access to the wealth amount indicated by our reverse mortgage calculator with no repayment obligations.