Understanding home equity
What is a reverse mortgage?
Let us explain it simply.
A reverse mortgage lets you access some of the equity in your home - without selling it, without moving out, and without making regular repayments. Here is what you need to know, explained in plain English.
KEY FACTS AT A GLANCE
What you need to know
You keep ownership of your home
You remain the registered owner and continue to live in your home. You benefit from any increase in value. The bank cannot force you to sell.
No regular repayments required
The loan is repaid when you sell, move permanently to aged care, or pass away. You may make voluntary repayments at any time.
Government protections apply
The No Negative Equity Guarantee means you can never owe more than your home is worth. Guaranteed Occupancy means you can never be forced to leave your home.
Interest compounds over time
Because you are not making repayments, interest adds to your loan balance each month.
Because you are not making repayments, interest adds to your loan balance each month. Over 10 to 15 years, this can significantly reduce remaining equity. We model this transparently so you can see the real long-term impact before you decide anything.
Key facts at a glance
What you need to know
You keep ownership of your home
You remain the registered owner and continue to live in your home. You benefit from any increase in value. The bank cannot force you to sell.
No regular repayments required
The loan is repaid when you sell, move permanently to aged care, or pass away. You may make voluntary repayments at any time.
Government protections apply
The No Negative Equity Guarantee means you can never owe more than your home is worth. Guaranteed Occupancy means you can never be forced to leave your home.
Interest compounds over time
Because you are not making repayments, interest adds to your loan balance each month. Over 10 to 15 years, this can significantly reduce remaining equity. We model this transparently so you can see the real long-term impact before you decide anything.
See it in numbers
How much could you access?
Use our interactive calculator to model how a reverse mortgage would work for your specific situation — loan amounts, interest, and projected equity over time.
Try the Calculator →YOUR JOURNEY
What happens, step by step
No surprises. No pressure. Everything happens at your pace.
Talk to us
Call, email, or fill in our form. No cost, no obligation. A relaxed conversation to understand your situation and explain what might be possible.
We compare options
We analyse your situation and compare products across our lender panel — interest rates, fees, features, and suitability. You receive a clear written Game Plan.
You decide
This is your decision. We walk through everything in plain English, answer every question, and give you all the time you need. No pressure, ever.
Settlement & beyond
We manage the application, paperwork, and settlement. After that, we stay in touch — regular check-ins to make sure your loan still works for your life.
Ready to take the first step?
A 20-minute conversation costs nothing and commits you to nothing. Many people tell us it was the most helpful call they ever had about their retirement.
Or call 1300 000 060
Important information: MoneyAt60 (CR 557838) is authorised under Invictus Group Pty Ltd (ACL 483078). We provide credit assistance only — we are not a lender and we do not provide financial advice. Timeframes shown on this page are indicative and may vary. Independent legal advice is a mandatory requirement under the NCCP Act before entering a reverse mortgage contract. Any information on this website is general in nature and does not take into account your personal objectives, financial situation, or needs. A reverse mortgage can reduce the equity in your home over time and may affect your eligibility for the Age Pension. A copy of our Credit Guide is available on request. Complaints · Privacy Policy · AFCA: 1800 931 678
Understanding home equity
What is a reverse mortgage?
Let us explain it simply.
A reverse mortgage lets you access some of the equity in your home - without selling it, without moving out, and without making regular repayments. Here is what you need to know, explained in plain English.
KEY FACTS AT A GLANCE
What you need to know
You keep ownership of your home
You remain the registered owner and continue to live in your home. You benefit from any increase in value. The bank cannot force you to sell.
No regular repayments required
The loan is repaid when you sell, move permanently to aged care, or pass away. You may make voluntary repayments at any time.
Government protections apply
The No Negative Equity Guarantee means you can never owe more than your home is worth. Guaranteed Occupancy means you can never be forced to leave your home.
Interest compounds over time
Because you are not making repayments, interest adds to your loan balance each month.
Because you are not making repayments, interest adds to your loan balance each month. Over 10 to 15 years, this can significantly reduce remaining equity. We model this transparently so you can see the real long-term impact before you decide anything.
Key facts at a glance
What you need to know
You keep ownership of your home
You remain the registered owner and continue to live in your home. You benefit from any increase in value. The bank cannot force you to sell.
No regular repayments required
The loan is repaid when you sell, move permanently to aged care, or pass away. You may make voluntary repayments at any time.
Government protections apply
The No Negative Equity Guarantee means you can never owe more than your home is worth. Guaranteed Occupancy means you can never be forced to leave your home.
Interest compounds over time
Because you are not making repayments, interest adds to your loan balance each month. Over 10 to 15 years, this can significantly reduce remaining equity. We model this transparently so you can see the real long-term impact before you decide anything.
See it in numbers
How much could you access?
Use our interactive calculator to model how a reverse mortgage would work for your specific situation — loan amounts, interest, and projected equity over time.
Try the Calculator →YOUR JOURNEY
What happens, step by step
No surprises. No pressure. Everything happens at your pace.
Talk to us
Call, email, or fill in our form. No cost, no obligation. A relaxed conversation to understand your situation and explain what might be possible.
We compare options
We analyse your situation and compare products across our lender panel — interest rates, fees, features, and suitability. You receive a clear written Game Plan.
You decide
This is your decision. We walk through everything in plain English, answer every question, and give you all the time you need. No pressure, ever.
Settlement & beyond
We manage the application, paperwork, and settlement. After that, we stay in touch — regular check-ins to make sure your loan still works for your life.
Ready to take the first step?
A 20-minute conversation costs nothing and commits you to nothing. Many people tell us it was the most helpful call they ever had about their retirement.
Or call 1300 000 060
Important information: MoneyAt60 (CR 557838) is authorised under Invictus Group Pty Ltd (ACL 483078). We provide credit assistance only — we are not a lender and we do not provide financial advice. Timeframes shown on this page are indicative and may vary. Independent legal advice is a mandatory requirement under the NCCP Act before entering a reverse mortgage contract. Any information on this website is general in nature and does not take into account your personal objectives, financial situation, or needs. A reverse mortgage can reduce the equity in your home over time and may affect your eligibility for the Age Pension. A copy of our Credit Guide is available on request. Complaints · Privacy Policy · AFCA: 1800 931 678