Home equity can fund their future — you can help

Do you have clients over 55 looking for funds to achieve their retirement and lifestyle goals?

Discover how home equity release loans can help your clients live their best life.

Happy man who's taken out home equity loan carries grand daughter
Cool couple enjoying their own home
Home equity release loans are a flexible solution to have in your financial planning toolkit as a finance or mortgage broking professional.

You may have over 55 clients who are not quite ready to downsize and would prefer to stay in their home and community, or clients who wish to leverage the equity they have built up in investment property.

Whatever their financial goals, understanding how these loans work and when they may be suitable, is key to offering comprehensive retirement guidance.

Key benefits of a home equity release loan for your clients

Property ownership is retained

  • Your clients retain ownership of the property — meaning they can continue to enjoy any potential property appreciation

Immediate access to funds

  • Unlike the lengthy process of selling and buying a new home — accessing equity can be fast and easy, allowing for quicker financial relief for your clients

Flexible drawdown and repayment options

  • Funds can be taken as an upfront lump sum, regular monthly payment or a line of credit — providing your clients with financial flexibility to access funds as and when they need
  • Easy exit — all or part of the loan can be repaid at any time with no early repayment fees

Enhanced consumer protections

  • Lifetime occupancy guarantee — if they live in the property they cannot be forced to sell until they are ready
  • No negative equity guarantee — clients or their family/beneficiaries can never owe more than the value of the property

Improved cashflow

  • No ongoing monthly repayments — improving your clients cashflow and financial freedom
  • Interest is capitalised and added to the loan

Fast, easy and secure online application

  • No proof of income required — loans are evaluated based on assets and credit history
  • Clients could receive up to $3 million+ in funds — based on age and property value

Our Loans

Home Equity Release Loan
Investment Property Equity Release Loan
Specialist Equity Release Loan
Age eligibility

55 and over

55 and over

40 and over

Who it suits

Over 55 home owners with
property equity who need funds
but don’t want to sell or downsize

Over 55 investment property owners who want to access some of their property equity for other needs

Those requiring specialist solutions
who may be younger, cashflow constrained or require a temporary solution

No regular repayments required
No proof of income required
No negative equity guarantee
Lifetime occupancy guarantee
Ways to access funds

Lump sum
Line of credit
Monthly payments

Lump sum
Line of credit
Monthly payments

Lump sum
Line of credit
Monthly payments

Loan term

No term

Property ownership retained
Voluntary repayments permitted
Loan repayment conditions

At any time

At any time or end of term

At any time or end of term

Experienced customer team

What we lend for

Fund home renovations and repairs

Pay for living expenses

Consolidate debt or refinance

Provide financial assistance to family members

Pay for aged care — while retaining ownership of their home

Enjoy a dream holiday

Fund home care — enabling clients to remain in their home

Purchase that new car or motorhome

Free Home Equity Release Loan Guide

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Your personal information, including your email, will be used and held in accordance with our privacy policy.