Boost your Retirement!

 Great interest rates

 No repayments ever

 Negative equity protection

 Income or lump sum payments

 Release up to 50% of your equity

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Live it up with a Reverse Mortgage!

If you're 60 or over and own your home, we can help you access your built up equity.

Imagine extra funds to enjoy your retirement, with no repayments to make ever!


Find out how much you can borrow in just a few minutes.


Release up to 50% of your equity with no repayments.


We take care of everything and make things really simple.


Years of experience so you get the right deal for your situation.

Xpress Senior Loans

Our process is simple, easy, and convenient and we can let you know how much equity you can release in just a few minutes!

Get started today by completing our Xpress Quote form or by calling 08 8451 1500

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Your retirement years should be some of the best of your life, not a struggle for survival on the government’s Age Pension. After all you’ve worked hard your whole life, saved and been careful with your money, so now it’s time to enjoy the fruits of your labour.

Put simply, you deserve the best retirement money can buy! But how to do it when you're asset rich and cash flow poor?

Sure, one solution is to sell your house and drastically downsize your lifestyle - the other is to take out a senior’s Reverse Mortgage.

Reverse Mortgages were created specifically to help people over the age of 60 access the equity they’ve built up in their home in order to fund a better lifestyle in retirement. 

Unlike a normal mortgage, interest is capitalised with a reverse mortgage which means you don’t need to make any repayments on the money you release. Instead, you simply pay off the loan and all interest owing when you sell the property. And because you’re only accessing a small portion of your home equity there’s usually plenty of money left for your family through inheritance.  

Financial decisions should never be taken lightly, regardless of your stage of life - that’s why it’s important you have a clear understanding of how a reverse mortgage works and a how you'd like to use the additional funds.

Luckily, we’re here to guide you through the entire process and do all of the heavy lifting for you - from discussing your needs and goals, finding the right lender and getting your reverse mortgage approved and settled. We handle it all!


A reverse mortgage is similar to a normal home loan that has been designed for people aged 60 and over. It allows home owners to borrow against the equity in their home to live a more comfortable retirement.

Importantly, you continue to own and live in your home for as long as you choose. The amount you can borrow depends on certain factors, such as your age and the value of your home.

You are not required to make regular loan repayments. Instead, the total loan amount, including accumulated interest, is only repayable when you move permanently from your home - usually when you sell your property, move into long-term care or pass away.

If you're looking for a better retirement and greater peace of mind a reverse mortgage may just be the solution you're after!

Get started today by completing our Xpress Quote form or by calling 08 8451 1500 - we’re ready to help you right now.

IMPORTANT NOTICE: Every situation is different - this information has been prepared without taking into account your needs, objectives, or financial situation. If you are considering a reverse mortgage, we encourage you to understand how it may affect your personal circumstances - talk to friends and family, speak to professionals, and use the resources and tools available. Loans are subject to loan approval criteria. Terms, conditions, fees and charges apply. * The comparison rate is based on a loan of $150,000 secured for a term of 25 years.

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Get started today by completing our Xpress Quote form or by calling 08 8451 1500 - we’re ready to help you right now!



What are the benefits of a reverse mortgage?

Eliminate mortgage payments - you can use a reverse mortgage to pay off your existing home loan and other debts. This will eliminate all regular loan payments and dramatically free up your cash flow.

Continue to live in your home - get access to extra retirement funds while continuing to live in your home without the need to make any regular loan repayments.

Improve your home and lifestyle - renovate your home to increase its value and improve your standard of living in retirement.

Treat yourself - boost your standard of living, fund a spectacular holiday, spoil your kids or grandkids. The possibilities are endless with a reverse mortgage!

How does a reverse mortgage work?

You stay in your home and don't have to make repayments while living there. Interest charged on the loan compounds over time, so it gets bigger and adds to the amount you borrow.

You repay the loan in full, including interest and fees, when you or your deceased estate sell your home.

You can make voluntary repayments earlier, if you wish. You can also protect a portion of your home equity from being eroded by the loan. For example, to ensure you have enough money left to pay for aged care.

How much can I borrow?

A reverse mortgage allows you to borrow money using the equity in your home as security. If you're aged 60, the most you can borrow is likely to be 15–20% of the value of your home.

As a guide, add 1% for each year over 60 - so, at 65, the most you can borrow will be about 20–25%.

The minimum you can borrow varies, but is typically about $5,000.

How do you value my home?

To allow us to establish the value of your home, and therefore calculate how much you will be entitled to borrow, we will need to assess the value and condition of your home. We will arrange for a registered valuer to visit your home to assess its value. A copy of this report will be provided to you.

What funding options do I have?

Our reverse mortgages are tailored to meet your specific retirement needs and can be taken as a lump sum, in regular instalments, or as a line of credit.

What does a reverse mortgage cost?

The cost of the loan depends on: how much you borrow, how you take the amount you borrow [ie. a lump sum will cost more due to compounding interest], the interest rate and fees, and how long you have the loan.

Over time, your debt will grow and your equity will decrease. You can use our handy calculator to see how a reverse mortgage would work for your situation.

Should I get legal advice?

Before taking a reverse mortgage we recommend you receive independent legal advice from a solicitor of your choice, and talk to your family.

We will also go through reverse mortgage projections with you, showing the impact on your home equity over time, and encourage you to ask questions if there's anything you're not sure about.

What is negative equity protection?

Reverse mortgages taken out from 18 September 2012 have negative equity protection. This means you can't end up owing the lender more than your home is worth [market value or equity].

You can also protect a portion of your home equity from being eroded by the loan. For example, to ensure you have enough money left to pay for aged care.

What is equity protection?

You can choose to protect up to 50% of the net proceeds from the sale of your property. This means that at all times the percentage protected is yours, irrespective of the loan balance on discharge.

However, please be aware that choosing the Equity Protection option will reduce the loan amount available by the percentage selected.

Can I increase my loan amount?

When your cash reserve facility is fully drawn you can apply to increase your total loan amount.

Further advances are based on the age of the youngest person, the current property value and the total loan balance, at the time of application. Fees will apply and a new valuation of your home will be required.



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