See what’s Possible
At age 60, you may be able to release up to 20% of your home’s value. At 70, it’s 30%. These are just examples. Use our calculator to see what this could mean for you.
Your Guarantees
Every Kindred Home Equity loan is protected under Australian law, with lifetime occupancy and a no-negative-equity guarantee. You stay in control, retain full ownership of your home, and can live there for as long as you choose. It’s your home, your choice, backed by genuine security and care.
Our Responsibility
We believe lending carries a duty of care. That means honest communication, transparent costs, and support at every stage of the journey. Our role is to help you make informed decisions, not rushed ones, ensuring your reverse mortgage works for you, and your needs.
Family First Approach
Big financial decisions are rarely made alone. We encourage family into the conversation, helping everyone understand how a reverse mortgage works and what it means for the future. With clear guidance and transparency, we provide assurance and ensure compassion remains at the heart of every decision.
“The real safeguard is staying where you belong - near friends, family and the familiar comforts of home.”
Frequently Asked Questions
At Kindred Home Equity, we believe understanding brings freedom. Many people share the same questions about reverse mortgages, so we’ve compiled some straightforward answers to help you and your family feel informed and at ease.
What happens if property values change while I have a reverse mortgage?
If your property value rises, your equity position may also improve. If values fall, Australia’s strong consumer safeguards protect you from owing more than your home’s worth. This means you’ll never lose more than the value of your property.
Will I ever owe more than my home is worth?
No. Australian law protects you through what’s called a No Negative Equity Guarantee. This means lenders must guarantee that when your reverse contract ends and the secured property is sold to repay the loan, you will not have to pay back more than the value of the property (this is subject to some exceptions). You can never owe more than the market value of your home when it’s sold. Even if property prices fall or interest rates rise over time, neither you nor your family will ever be responsible for any shortfall. The home covers the loan, not your savings.
Do I need a lawyer or independent advice for a reverse mortgage?
Yes. Every borrower is required to obtain independent legal advice before signing a reverse mortgage. This ensures that you fully understand your obligations under the contract and its longer-term implications. It’s also a good idea to speak with a financial adviser or family member to confirm the decision feels right for you. These steps are safeguards built in to protect your best interests.
How does Kindred Home Equity help protect my family’s interests?
Kindred Home Equity encourages open conversations with your family from the start. We help everyone involved understand how the loan works and what safeguards are in place. It’s all about keeping families informed, secure, and supported.
