For many Australians, the family home is their most valuable asset. However, it is common to reach retirement and find yourself "asset rich but cash poor." A Reverse Mortgage allows you to unlock the equity you have built up in your home without the need to sell or move.

It provides the funds you need to live a comfortable, stress-free retirement while staying in the home and community you love.

This solution is designed for retired or semi-retired individuals who want to improve their lifestyle or financial position.

We assist clients who use these funds for a wide variety of purposes. You might need to refinance an existing mortgage or other debts to free up cash flow, fund home renovations to make your property more comfortable, cover medical bills, or simply fund the travel plans you have always dreamed of. Many of our clients also use this equity to gift funds to their children or grandchildren to help them enter the property market.

A reverse mortgage is a significant financial decision, and our priority is ensuring you are fully informed. We work through the long-term implications with you, showing you exactly how the loan will affect your equity over time.

We require that you seek independent legal advice to ensure you understand the agreement completely. Our goal is to ensure the plan allows you to enjoy your retirement with confidence, and most importantly, that the decision to proceed is yours, and yours alone.

Modern reverse mortgages offer far more protection and flexibility than they did in the past. We can help you navigate the options to find a solution that offers:

The "No Negative Equity Guarantee": This statutory protection generally ensures you never owe more than the market value of your home, providing peace of mind for your estate.

Flexible Repayments: You are in control of your cash flow. Depending on your goals, you can choose to make no regular repayments, or you can choose to make 50% or even 100% of the interest repayments to manage the loan balance.

Let’s Discuss Your Options

If you are considering unlocking your home's equity, we are here to have a compassionate, obligation-free discussion about your needs.