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Retirement
Income Top Up

Calculate Equity

How Well Has Your Super Aged?

In 1992, superannuation become a compulsory safety net for working Australians. If you’re a baby boomer, you were probably halfway through your working life. Not only did you miss out on early-career super contributions, but you also missed out on compounding returns over time. Consequently, many retirees experience a shortfall in superannuation.

Many Australians find it hard to get through retirement on the Age Pension. While it might be enough to cover the basics, it doesn’t allow for many of life’s little pleasures. Now you can draw on your Household CapitalTM, the equity in your home, to boost your retirement income or use it as a contingency fund, to cover the big bills, buy a new car or keep the house in good repair. This can give you the confidence knowing that you can tackle the bumps along the way.

 

It's As Easy As 1, 2, 3!

HHC Icon - _PERSONALISED CONSULTATION
CONFIRM ELIGIBILITY

Use our online calculator to see your accessible Household Capital.

HHC Icon - _APPLY
PERSONAL CONSULTATION

Experience one-on-one personalised service with a retirement specialist.

HHC Icon - _RECEIVE FUNDS
APPLICATION

We guide you through every step of the application process.

Other Ways To Use Your Home Equity


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.

Top up

Increase retirement income or set aside a contingency fund

Refinance

Refinance a mortgage or consolidate debts

Live

Fund home repairs, renovations, or expenses

Care

Cover medical, dental, in home or aged care 

Give

Gift family with a home deposit or education 

Calculate Your Home Wealth

Learn how accessing your home wealth could help you consolidate debts or increase your income.

Calculate

 Frequently Asked Questions

Would I be better off by downsizing?

Many retirees rely on an income stream from super and the Age Pension to carry them through retirement. A small super balance, even when supplemented with the Age Pension, may not provide adequate retirement funding, denying retirees the comfortable retirement they’ve worked towards. Some retirees may believe the only solution is to downsize.

A house is made of brick and mortar, but a home is full of memories. Downsizing doesn’t just mean a smaller house, it can mean losing your community too. By topping up your super, you can improve your retirement income and look forward with confidence. A Household Loan can keep you where you belong

— in your own home.

Download our free downsizing guide which covers all the costs of downsizng, the alternatives and impacts on centrelink.

Try our home wealth calculator or call us on 1300 622 100 to see how using your Household Capital could improve your retirement income so you can stay safe and Live Well At Home.

Can I use home equity to top up an investment portfolio?

Some retirees have been able to build up an investment portfolio over the years to provide a source of capital and income. We recognise that most investments go through peaks and troughs. When they do well, an investment portfolio can be a major source of retirement income. In a market downturn, you may prefer not to draw on a diminishing pool of capital as its ability to generate capital over the longer term will be diminished. A Household Loan can help in two ways. It can be used to supplement your income during market downturns; this avoids further impairment of your investment portfolio and allows it to recover. Your household capital can also be used to add to your portfolio, to ensure it continues to meet your long-term retirement needs and provide you with choice and flexibility in retirement. Try our home wealth calculator or call us on 1300 622 100. See how using your Household Capital could improve your retirement income. Live Well At Home™

Can I use a Household Loan to top up super or other investments?

The purpose of a Household Loan is to take care of your long-term retirement funding needs. Using it to top up your super or other investments can extend the longevity of the income stream generated by those investments. Customers using a Household Loan for this purpose are required to get independent financial advice. Try our home wealth calculator or call us on 1300 622 100. See how using your Household Capital could improve your retirement income. Live Well At Home™

Why top up Super with your Household Capital™

Retired Australians may not have a lot of super, but they do have more than $1 trillion saved in home equity.

Accessing some of your Household Capital could increase your retirement funding. Topping up your super or other investments can be an effective way to bolster your retirement funding.

Our modelling has shown that an injection of additional funds to a superannuation account can:

  • increase the amount of regular pension income you can draw
  • increase the longevity of your income stream - in other words, it enables your super to provide income for more of your retirement years.

Try our home wealth calculator or call us on 1300 622 100 to see how using your Household Capital could improve your retirement income so you can stay safe and Live Well At Home.

Bill
“I feel I'm living again and the amount of money that one is using on the house is just a capital gain.”
Bill
Retiree, Cooroibah QLD
Mette
“Household Capital has made me feel free and I can do what I want because of Household Capital, so it was the best thing I ever did.”
Mette
Retiree, Gold Coast QLD
Nan and John
“We've always thought that retiring would be nice, but we never thought it would actually happen. But we've finally done it.”
Nan and John
Retirees, Gold Coast QLD
Chris
“Household Capital has given me the chance to realise a small portion of the equity in my home and it’s been a win-win situation for me”
Chris
Retiree, QLD
John
“Getting money from Household Capital, I don’t have to sell the property and go into a smaller property.”
John
Retiree, Woody Point QLD
Raelene
“I feel a lot more comfortable now and I know that I’m able to pay my bills.”
Raelene
Retiree, NSW
Lynne
“I saw an ad on TV for Household Capital, so I decided I would apply and I now have my new car.”
Lynne
Retiree, Blacktown NSW
Dennis
“To have that equity and keep the same house is just a wonderful way to be able to progress into our retirement.”
Dennis
Retiree, Sydney's inner west NSW
Colin and Sandy
“I’ve still got my beautiful car, and we’ve also got an income coming in thanks to Household Capital, and our retirement looks much brighter in the future.”
Colin and Sandy
Retirees, Macedon Ranges VIC

How Our Customers Rate Us

 

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