Use your home's equity in retirement
Reverse mortgages and the government's Home Equity Access Scheme let older Australians access equity without regular repayments. We explain the trade-offs clearly, including the effect on your estate.
Is this you?
- Homeowners aged 60 and over
- Retirees wanting to renovate or fund care
- Borrowers over 55 needing a standard loan with an exit strategy
What you should know
Home Loan Repayment Calculator
Work out monthly, fortnightly or weekly repayments for principal and interest or interest-only loans, and see your balance fall over time.
Open calculatorFigures current as at October 2026. Scheme rules and caps change; we confirm them for your situation.
Our process
Understand the options
Reverse mortgage, HEAS, downsizing or a standard loan.
Involve your family
We encourage it, and independent advice.
Compare costs
Rates compound, so small differences matter.
Plan the exit
How and when the loan will be repaid.
Frequently asked
Can I lose my home?
Regulated reverse mortgages include no negative equity protection, but read the conditions carefully.
Does it affect the pension?
It can. Talk to Services Australia or a financial adviser.
Can I get a normal home loan at 60?
Yes, with a credible exit strategy.
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