Tax
Free
Funds
No Regular
Repayments
Required
Consistently
Low
Rate
Award
Winning
Company
What Is A Reverse Mortgage?
It's an equity release product. Retired homeowners can take out a reverse mortgage to access the savings in your home without needing to sell it.
We've Got You Covered
Flexibility and Choice
Meet your needs and give you confidence throughout retirement.
Personalised Service
Our retirement specialists help you every step of the way.
Responsible Lending
Responsible lending to meet your long term retirement funding needs.
Consistently Low Rate
Get a low interest rate, transparent fees & no exit or other penalties.
No Regular Repayments Required
The loan is paid when you leave your home or anytime anytime without penalty.
Remain the Owner of
Your Home
You keep your title and continue to benefit from any increase in property value.
No Negative Equity Guarantee
You cannot owe more than your home is worth, regardless of its value.
Guaranteed Lifetime Occupancy
You cannot be forced to sell or move out of your family home.
It's As Easy As 1, 2, 3!
CONFIRM ELIGIBILITY
Use our online calculator to see your accessible Household Capital.
PERSONAL CONSULTATION
Experience one-on-one personalised service with a retirement specialist.
APPLICATION
We guide you through every step of the application process.
How You Can Use A Reverse Mortgage
You can utilise your Household Capital via one or a range of ways from super top-up to becoming the bank of mum and dad.
Note: names and images are changed to protect privacy.
Helen: The Self-Funded Retiree
Helen, in her mid-70s and lives in an apartment in Mosman, NSW. Her career was in the public service and, accumulated a substantial superannuation nestegg.
In addition to her Mosman apartment, Helen owns an investment property on Lake Macquarie. While tenanted, the rental income only just covers its costs but she does not want to sell either her apartment or the investment property, as she considers them to be an ‘inheritance’ for her two sons.
The value of her super fund was significantly impaired during the financial crisis. Helen believes it is better to leave her super alone until the market picks up.
With rental income only just covering costs and minimal income from super, in Helen’s words, “keeping on top of the bills is the challenging part.”
Household Capital with its Household Loan - a type of reverse mortgage, enabled Helen to take a $50,000 sum for contingencies and draw a monthly income of $2,500 until she feels her superannuation has recovered to draw upon.