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.
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.
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
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
