Day to day expenses.

Manage living expenses.

Top up your pension and get extra cash-flow with a Heartland Seniors Finance Reverse Mortgage.

Around 80% of retirees receive an Age Pension. With compulsory superannuation only coming into effect in 1993, it’s likely that Australians working during the 50s, 60s and 70s have not accumulated enough super to fund what is considered a ‘comfortable retirement’.

On a limited income, you could be finding it increasingly difficult to make ends meet. You are not alone. Many Australians in retirement have rising cost of living pressures and bill stress.

You may worry about switching the heater on in winter, and finding the money to pay for medical expenses, a car service or even a trip to visit the grandkids can be tough. An option to help ease the squeeze is to release home equity with a reverse mortgage.

Take the stress out with a Heartland Reverse Mortgage.

A Heartland Seniors Finance Reverse Mortgage can help to take the stress out of every day by supplementing your income using our regular advance option.

More than a quarter of our customers take out a Heartland Reverse Mortgage to help supplement their income to pay for their bills, living expenses and unexpected costs such as heating, car repairs or a trip to visit the grandkids.

Interest is only charged on the balance outstanding, so the savings over time can be substantial when compared to drawing a large lump sum. No regular repayments are required, though can be made at any time, and the debt is repaid from the future sale of the property.


Here’s what some of our customers have to say.

“It provided us with great relief when we found ourselves with no super left and needed to tidy up our finances.”

“It’s helped us to obtain a more enjoyable lifestyle.”

“Thank you for your continued help and support. Always just a phone call away.”

Benefits of using a reverse mortgage for Day to day expenses.

No need to move.

Remain the owner of your home, benefitting from any increases in home value.

Peace of mind.

Have peace of mind knowing you have access to equity in your home without having to sell.

Flexible cash flow.

Take your loan as a lump sum, cash reserve facility, regular advance or a combination.

Take the stress out of every day bills.

No more worrying about the winter power bill or holding off on grocery shop until next pension payment.

For the fourth consecutive year, we are proud to be awarded Money Magazine's Best Reverse Mortgage product.


Why choose Heartland Seniors Finance?

Since 2004, Heartland Seniors Finance has helped over 15,000 senior Australians release the equity in their home to fund a better lifestyle in retirement with our reverse mortgage.

Being a specialist non-bank lender, Heartland understands the needs of senior Australians and offers an award-winning, market leading product. With a broad criteria, flexible product, and considerable customer protection, Heartland is Australia’s leading reverse mortgage provider.

Can we help you live a better retirement?

Request your free reverse
mortgage e-guide

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