Business Details
Unlock Your Home Equity for Retirement with Household Capital
Household Capital is a specialist provider dedicated to helping Australian retirees unlock the wealth tied up in their homes. We offer tailored financial solutions that allow clients to maintain control of their assets while enhancing their retirement lifestyle. Our team provides expert guidance through every step of the process, from eligibility assessment to application completion. As a licensed credit provider, we specialise in reverse mortgages and government-backed schemes like the Home Equity Access Scheme. Our innovative Household Loan product enables retirees to access home equity without regular repayments, ensuring they can stay in their homes for life. We prioritise transparency, offering clear information about how our services interact with government entitlements like the Age Pension.Our award-winning approach combines financial expertise with a commitment to improving retirement outcomes. We provide educational resources, including online calculators and newsletters, to empower informed decision-making. Our services are designed specifically for homeowners aged 60+, with flexible options for refinancing, superannuation top-ups, and aged care funding. We operate under strict regulatory compliance, holding Australian Credit Licence 545906, and maintain partnerships with financial and legal professionals to ensure comprehensive client support.
Services
Household Loan
Pension Boost Service
Retirement Refinance
Home Equity Access Scheme
Aged Care Funding
Highlights and features
- Specialist retirement funding solutions since 2017
- Personalised guidance through reverse mortgage processes
- Government-approved Home Equity Access Scheme provider
- Award-winning retirement loan products
- Transparent advice on pension entitlement impacts
Associations and certifications
- Australian Credit Licence 545906
Services
Household Loan
Our Household Loan enables retirees to access home equity without regular repayments. This reverse mortgage product secures funds against property value, allowing continued home ownership. Funds can be used for living expenses, healthcare, or investments while maintaining occupancy rights.
Pension Boost Service
This government-approved service helps retirees access home equity through the Home Equity Access Scheme. It provides tax-free income while preserving pension entitlements. We guide clients through eligibility requirements and application processes for optimal retirement funding.
Retirement Refinance
Designed for over-60s, this refinancing option offers discounted rates and no regular repayments. It releases equity from existing properties while maintaining occupancy guarantees. Includes contingency funds and fast approval processes for retirement needs.
Home Equity Access Scheme
This government-backed program provides tax-free income while preserving pension entitlements. We assist with eligibility assessments and application processes for this non-recourse loan option that uses home equity as security for retirement funding.
Aged Care Funding
Our solutions help cover aged care facility costs through home equity release. We provide tailored advice on accessing funds for residential care while maintaining financial control and compliance with government entitlements.
Questions
What are the costs associated with a Household Loan?
Our reverse mortgage products have interest rates and fees detailed in our disclosure documents. We provide transparent cost breakdowns including comparison rates.
Will a reverse mortgage affect my Age Pension entitlements?
We work with Centrelink guidelines to structure loans that preserve pension entitlements. We recommend consulting Centrelink for individual circumstances.
Do I need financial advice before applying?
Yes, financial advice is required when using home equity for superannuation or investment purposes to ensure compliance and optimal retirement planning.
What is a Household Loan?
It's a reverse mortgage product allowing retirees to access home equity without regular repayments, secured against their property with flexible usage options.
Can I refinance my existing mortgage?
Yes, our Retirement Refinance product offers discounted rates and no regular repayments, specifically designed for homeowners aged 60+.
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