Your Reverse
Mortgage Guide

Yes. You can apply for a reverse mortgage directly through Kindred Home Equity or via a trusted mortgage broker who partners with us. Many brokers across Australia offer our reverse mortgage services and can guide you through the process from start to finish. However you apply, you’ll receive the same transparent, supportive care – we make sure the experience is simple, human, and built around your comfort.

Reverse mortgage loans generally have a variable interest rate, which means the rate may increase or decrease over time. If rates rise, your loan balance may grow faster, but Australian law ensures you’ll never owe more than your home’s value under the No Negative Equity Guarantee. At Kindred Home Equity, we provide clear projections to help you see how rate changes could affect your loan so you can plan with confidence and stay in control.

If you move into aged care or permanently leave your home, your reverse mortgage is usually repaid when the property is sold. You and your family will have time to manage the sale there’s no pressure or rush. If you have a partner listed as a co-borrower, they can remain in the home for as long as they wish. Once the home is sold, the reverse mortgage loan is repaid, and any remaining funds belong to you or your estate.

You remain the full owner of your home, which means you’re responsible for normal ownership costs such as council rates, home insurance, and general maintenance. It’s essential to maintain your property insurance and keep it in good condition, as it serves as security for your reverse mortgage loan. Beyond that, there are no regular repayments; you continue caring for your home as you always have.

Absolutely. We encourage families to be involved from the beginning. It’s common for adult children or trusted relatives to join the conversation so everyone understands how a reverse mortgage works and what it means for your future. Kindred Home Equity encourages family participation at every stage, from your initial chat to the final decision, to ensure everyone feels informed and supported.

No. Kindred Home Equity’s reverse mortgage services are designed for retirees, including those on limited or fixed incomes. Your eligibility is based on your age, property value, and available home equity, not your income or credit score. You don’t need to provide proof of income, and minor credit issues typically don’t impact approval. Our focus is on helping you access your home’s value simply.

A reverse mortgage can unlock the home equity you’ve built over the years, turning it into accessible funds to support your retirement lifestyle, reduce financial pressure, or manage essential costs.

Kindred Home Equity offers flexible retirement income options through reverse mortgage solutions. You can access funds as a lump sum, regular payments, or a reserve to draw on when needed.

Yes. All reverse mortgage loans in Australia are regulated under consumer credit laws, ensuring lifetime occupancy and protection against negative equity. You stay in control of your home and your future.

No. Many clients speak with us while still working or preparing for retirement. It’s about understanding your options early and planning the right path for your future income needs.

We only need a few details to get started: your age, the approximate value of your property, and any existing home loan. That’s enough for an initial eligibility conversation, no financial statements required.

Absolutely. We encourage family members or advisers to be involved in discussions about retirement funding and income options. Shared understanding helps everyone feel secure and informed.