Credit Guide

Version 1.0 - March 2026

This Credit Guide is provided to you by Money at 60, a credit representative (CR 557838) of Invictus Group Pty Ltd (Australian Credit Licence 483078), ABN 23 694 415 337 ("we", "us", "our").

You should read this Credit Guide carefully. It provides important information about our services, how we are paid, our obligations to you, and your rights.

Who we are

Money at 60 provides credit assistance in relation to reverse mortgages and home equity products. We are a credit broker - we are not a lender. We arrange credit on your behalf and are legally required to act in your best interests.

Licensee: Invictus Group Pty Ltd
Australian Credit Licence: 483078
Credit Representative: Money at 60 (CR 557838)
ABN: 23 694 415 337

The services we provide

We provide credit assistance by:

Helping you assess whether a reverse mortgage or home equity product may be suitable for your needs
Comparing options from lenders on our panel
Recommending a product that we believe is not unsuitable for your circumstances
Assisting with the application process

We do not provide financial advice. We recommend you also consult a licensed financial adviser about your overall retirement strategy.

Our lender panel

We currently source credit products from: Heartland Bank, Household Capital, and P&N Bank. Our panel may change from time to time. We will tell you which lenders we have considered when making a recommendation.

How we are paid

We receive a commission from the lender when a loan is successfully settled. There is no fee payable by you for our credit assistance services.

The commission amount varies by lender and product. We will disclose the estimated commission to you in writing before any credit assistance recommendation is made. These commissions do not influence our recommendations - we are required by law to act in your best interests.

Our obligations to you

Under the National Consumer Credit Protection Act 2009, we are required to:

Act efficiently, honestly, and fairly
Assess whether a product is not unsuitable for you before recommending it
Provide you with this Credit Guide before providing credit assistance
Provide you with a Credit Proposal Disclosure document before submitting an application
Keep your information confidential
Maintain a complaints resolution process

Complaints

If you have a complaint about our services, please see our Complaints page for details of our internal and external dispute resolution processes. Our external dispute resolution provider is the Australian Financial Complaints Authority (AFCA), phone 1800 931 678.

Contact us

Phone: 1300 000 060
Email: hello@moneyat60.com.au