News and Articles

Unlocking inheritance

Could you "give the kids some of their inheritance now" with a reverse mortgage?

By Sharon Yardley

19 January 2018

Discover the options available now to help your family tomorrow

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Heartland Wins CANSTAR's 2018 Reverse Mortgage Award

CANSTAR 2018 - Provider of the Year - Reverse Mortgages

By Andrew Ford

16 January 2018

Heartland Wins CANSTAR's 2018 Reverse Mortgage Award

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Why Heartland joined the Banking and Finance Oath

Heartland Joins the Banking and Finance Oath

By Sharon Yardley

10 January 2018

Responsible Banking Done Right

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People are able to stay in their home.

[VIDEO] How Heartland Helps Clients Stay In Their Own Home

By Sharon Yardley

13 December 2017

Customers are able to stay in their own home for as long as they choose.

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How Heartland stacks up globally.

Looking Abroad to Improve Locally

By Andrew Ford

06 December 2017

Heartland recently attended the US National Reverse Mortgage Lenders Association Annual Meeting to consider how we can enhance our products and service.

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Third year in a row!

Heartland Wins Money Magazine's Best Reverse Mortgage 2018

By Andrew Ford

30 November 2017

We are thrilled to once again announce that the Heartland Seniors Finance reverse mortgage has been judged the Best Reverse Mortgage at Money magazine’s Best of the Best awards.

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Can a Reverse Mortgage help?

Should You Sell Your Home To Fund Retirement?

By Andrew Ford

24 November 2017

The pro's and con's of selling the family home to fund retirement living.

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How do you maintain financial comfort later in life?

Equity Release - An Untapped Retirement Solution

By RMIT University

20 November 2017

Australian retirees face an unusually high exposure to longevity risk – the risk of outliving their financial resources. In this article we’ll consider how much wealth retirees are holding in their homes and how many are aware of ways to access it.

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Pavlova recipe

Janette's No-Fail Pavlova

By Heartland Staff Writer

14 November 2017

Janette from our Loan Administration team has an amazing Pavlova recipe from her mother that has never failed. We hope you enjoy it as much as we do!

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Aussies retiring with debt increasing.

Retiring with a Mortgage?

By RMIT University

27 October 2017

Residential property is the major component of wealth for many older Australians who are close to retiring, but the boom in house prices has also led to an increase in debt and an increasing number of baby boomers are carrying mortgages into their retirement.

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An increase in children calling.

[VIDEO] How We Help Seniors' Families Find The Right Equity Release Solution

By Sharon Yardley

20 October 2017

A short video on how we help families find the right solution

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Your questions answered

[VIDEO] Reverse Mortgage FAQs

By Andrew Ford

06 October 2017

What are the most 'Frequently asked questions' about Reverse Mortgages? Watch the Heartland Reverse Mortgage FAQs Video to find out - and get the answers.

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Australian retirement challenges

Planning for Decumulation

By RMIT University

21 September 2017

When thinking about retirement, most of our attention is concentrated on the accumulation phase – saving for retirement. But what happens next, when we actually decide to retire from the work force?

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Home Reversion

Reverse Mortgage versus Home Reversion Scheme: what is the difference?

By Andrew Ford

19 September 2017

Home Reversion vs Reverse Mortgage?

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Heartland nominated for two awards.

Heartland Seniors Finance Australian Mortgage Awards Finalist

By Sharon Yardley

15 September 2017

We are proud to announce that Heartland has been shortlisted for two Australian Mortgage Awards: Non-Bank of the Year, and Most Effective Online Presence - Lender.

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There are several ways retirees can access equity.

Facilitators of Aging in Place

By RMIT University

12 September 2017

Three quarters of Australian retirees want to see out their retirement in their current residence.

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The team behind Australia's leading reverse mortgage provider.

Heartland's loan book hits half a billion dollars!

By Andrew Ford

07 September 2017

In August Heartland Seniors Finance passed an important milestone - $500m of finance receivables.

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Heartland on The Daily Drive

Heartland on The Daily Drive

By Andrew Ford

31 August 2017

We joined Sam and Kayley from The Daily Drive radio station last night to share some insights on reverse mortgages.

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Mortgage Broker Q&A

Broker Reverse Mortgage Questions Answered – Part 2

By Craig McInnes

17 August 2017

We recently held a Reverse Mortgage diversification webinar with Mortgage Professional Australia. Part 2 of the common questions from this are answered here.

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Train your brain - it's essential for living a healthy life.

Grey Matters

By Sharon Yardley

10 August 2017

Follow these five simple steps to keep your brain as healthy as your body.

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Yes it is possible to refinance a reverse mortgage.

Refinance A Reverse Mortgage: Good or Bad?

By Andrew Ford

01 August 2017

Just like a conventional (forward) mortgage, it is possible to refinance a reverse mortgage. But because of its unique structure, the computation and considerations involved are different.

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LVR Changes

Heartland Increases Loan to Value Limits for Aged Care Loans

By Andrew Ford

31 July 2017

Heartland Seniors Finance is pleased to announce that it has increased the loan to value limits (LVR) for its Aged Care Loan by 5%, effective immediately.

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Reverse mortgages: reaching maturity

Heartland in Mortgage Professional Australia

By Andrew Ford

14 July 2017

A combination of Australia’s ageing population and high property prices is driving up demand for reverse mortgages. MPA and Heartland Seniors Finance explain how brokers can get started.

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$7 trillion in Australian residential property.

Unlock your wealth

By Andrew Ford

13 July 2017

Money doesn’t grow on trees, but it can be harvested from your own home.

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In some States, electricity costs have doubled in the past 7 years

Power and Gas Price Increases Placing a Strain on Pensioners

By Sharon Yardley

11 July 2017

The Finkel Report has again thrown the energy sector into the news spotlight, including the affordability of gas and electricity.

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Draw the funds when you choose.

[VIDEO] Reverse Mortgage Benefits

By Sharon Yardley

07 July 2017

Watch to learn the common benefits of Reverse Mortgages.

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Mortgage Broker Q&A

Broker Reverse Mortgage Questions Answered – Part 1

By Craig McInnes

04 July 2017

We recently held a Reverse Mortgage diversification webinar with Mortgage Professional Australia. Some of the common questions from this are answered here.

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Keep up to date with the latest news.

Like us on Facebook to win!

By Andrew Ford

03 July 2017

If you like our Facebook page during July and August you will go in the draw to win one of three $200 Coles Myer cards!^

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family discussion is a key part in reverse mortgage decision making

Rise in Children seeking reverse mortgage information for their parents

By Andrew Ford

30 June 2017

We have noticed here at Heartland an increase in children (or even grandchildren) enquiring about reverse mortgages for their parents.

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Insufficient savings can prevent a happy retirement

Money for Retirement: Four Things Seniors Can Do

By Andrew Ford

27 June 2017

REPORT: 71% of Australians who are wishing to retire in the next five years may not able to do so because of insufficient savings.

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You can see someone in person to discuss your situation.

The Growing Reverse Mortgage Market

By Craig McInnes

19 June 2017

The results of a poll of over 100 brokers we conducted during a recent webinar we held with Mortgage Professional Australia found that 99% of brokers believe the Reverse Mortgage market will grow in the next 5 years.

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2017 Budget - downsizing summary

Federal Budget Incentive to Downsizing?

By Andrew Ford

31 May 2017

Earlier this month, the Federal Budget included a number of measures in an effort to address housing affordability. One of these measures effectively provides retirees with an incentive to downsize.

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aged care reverse mortgage

Aged Care Reverse Mortgage Option [VIDEO]

By Sharon Yardley

09 May 2017

Watch to learn about Heartland's Aged Care Reverse Mortgage Option

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Retirement here I come!

Seven Ways to Help Your Parents Prepare for Retirement

By Andrew Ford

04 May 2017

Experts estimate that there are approximately 1.5 million Australians who belong to the ‘sandwich generation’ or those who have to support their ageing parents and their growing children.

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Rate nearly tripled for 55-64 year olds

New Report shows increasing mortgage debt in retirement.

By Sharon Yardley

24 April 2017

A recent report tells the story of the changing home ownership rates in Australia, and how it is influencing our current and future retirement quality.

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Grab that calculator and get started!

How to use a Reverse Mortgage to pay off debt

By Andrew Ford

14 April 2017

Reverse Mortgages have lately become much more popular as a way to pay off debt.

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It is crucial to know what you may be entitled to.

Reverse Mortgage To Fund More Aged Care?

By Andrew Ford

22 March 2017

Recent changes in aged care rules provide senior Australians better flexibility on the type of help they can receive.

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Greater - one of Heartland's partners.

Heartland Seniors Finance Congratulates Greater Bank on being named Bank of the Year

By Andrew Ford

21 March 2017

Greater Bank took out the national Roy Morgan Customer Satisfaction Award – Bank of the Year.

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Closure

SEQUAL Discontinuing Operations

By Craig McInnes

16 March 2017

SEQUAL has discontinued its operations as at 31st January 2017.

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[VIDEO] Reverse Mortgage Protection: Our Three Promises

By Sharon Yardley

10 March 2017

Discover Heartland's three core promises to our Reverse Mortgage customers.

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The family home and pension asset test

Family home in the aged pension asset test?

By Andrew Ford

01 March 2017

The Australian Chamber of Commerce and Industry (ACCI) made a statement recently that the family home or the principal place of residence should be included in the aged pension’s asset test.

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Best specialist lender category.

Heartland - Finalist at the 2017 Australian Lending Awards.

By Andrew Ford

24 February 2017

We are proud that Heartland Seniors Finance was a Finalist in the 2017 Australian Lending Awards - Best Specialist Lender.

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Applying is surprisingly simple

[VIDEO] Reverse Mortgage for Debt Consolidation

By Jessica Douglas

17 February 2017

How to use a Reverse Mortgage to pay off debts

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2017 Award

The Reverse Mortgage Provider of the Year is… Heartland Seniors Finance.

By Andrew Ford

07 February 2017

Heartland Seniors Finance is very pleased to be the winner of the CANSTAR 2017 Provider of the Year for Reverse Mortgages.

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What is the Pension Loans Scheme?

Pension Loans Scheme: Commendable But Confusing?

By Andrew Ford

06 February 2017

Pension Loans Scheme vs Reverse Mortgage

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Awarded for second consecutive year

Heartland wins Best Reverse Mortgage award

By Andrew Ford

22 December 2016

Heartland awarded Money Magazine's Best Reverse Mortgage Product

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A summary of the Grattan Institute's report.

End to 'age of entitlement' for seniors' finances?

By Andrew Ford

14 December 2016

Grattan Institute calls for end to 'age of entitlement' for seniors.

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Heartland has an award winning, market leading product.

[Video] Why choose Heartland for your clients?

By Andrew Ford

24 November 2016

Video - Why Heartland Seniors Finance is ideal for brokers to offer as a Reverse Mortgage.

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A reverse mortgage and keep your home? Yes!

[Video] An Introduction to Heartland Seniors Finance

By Andrew Ford

11 November 2016

An Introduction to Heartland Seniors Finance

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Superannuation alone increasingly cannot support retirement needs.

Using the family home for sustainable retirement income

By Andrew Ford

03 November 2016

As discussed in a recent article in the Financial Review, it is increasingly clear that superannuation alone cannot support one’s retirement needs, especially aged care funding.

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What will it mean for Aged Care?

What will the flow on affects be for seniors entitlement changes?

By Craig McInnes

28 October 2016

Seemingly simple retirement objectives are set to become that much harder with changes to the asset test for the age pension due on 1 January 2017.

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Heartland interviewed

Heartland Seniors Finance in Mortgage Professional Australia

By Andrew Ford

20 October 2016

Heartland is in MPA's 'simply irreversible' feature on reverse mortgages

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What are the pros and cons?

Reverse mortgage vs downsizing - which is best?

By Andrew Ford

11 October 2016

An overview of issues around reverse mortgages versus downsizing.

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The implications for Australia

Seniors’ Home Ownership is Down: What it Means for Retirement

By Andrew Ford

27 September 2016

What does falling rates of home ownership among seniors mean for Australia?

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Reverse mortgage video

[VIDEO] What is a Reverse Mortgage? Australian Reverse Mortgages Explained

By Andrew Ford

13 September 2016

What is a Reverse Mortgage and how do they work? Watch this short video to learn more.

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We have seen a considerable increase in demand for reverse mortgages.

Increasing Demand for Reverse Mortgages

By Craig McInnes

12 September 2016

At Heartland Seniors Finance, Australia’s largest specialist reverse mortgage provider, we have seen a considerable increase in demand, with record volumes in July and August.

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A retirement savings shortfall is approaching for many.

HILDA Survey 2016: Senior’s Superannuation Shortfall?

By Andrew Ford

08 September 2016

the HILDA Report confirms again what we already know to be true: a large cohort of retired seniors and those approaching retirement will experience a retirement savings shortfall, most evident in the asset class of superannuation

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reverse mortgages for seniors

Reverse Mortgages for seniors – why am I so passionate?

By Andrew Ford

26 August 2016

I'm a 'true believer' in Reverse Mortgages, here's why.

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On 1 January 2017, there will be changes to the Age Pension asset test.

Change to the Age Pension rules – how could you be affected?

By Craig McInnes

05 August 2016

On 1 January 2017, there will be changes to the Age Pension asset test.

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More older Australians now retire without paying off their home loan. Why?

Why are more seniors retiring with mortgage debt?

By Andrew Ford

22 July 2016

More older Australians now retire without paying off their home loan. Why?

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A Reverse Mortgage can be an excellent financial vehicle when used appropriately.

Why Choice is wrong on Reverse Mortgage

By Andrew Ford

01 July 2016

In February this year the consumer group Choice published an article on home equity release finance options for seniors. Although generally I’m a fan of their work, on this occasion the article was regrettably full of factual errors and hyperbole.

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Senior couple planning their estate

Inheritance, estate planning & how Reverse Mortgage can help

By Andrew Ford

10 June 2016

According to international research 86.2 per cent of parents aged 59 to 96 expect to leave something for their children, while only 44.6 per cent of the children aged 40 to 60 thought that they would receive an inheritance.

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2016 Budget Aged Care Update: Equity Release 'In the Mix'

2016 Budget Aged Care Update: Equity Release 'In the Mix'

By Andrew Ford

16 May 2016

Recently the government announced a budget cut of $1.2 billion for aged care funding over four years, as a response to high growth in expenses. Medicare benefits will also remain frozen for a further two years.

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Using a Reverse Mortgage to support super

Reverse Mortgage to Solve Superannuation Woes?

By Andrew Ford

09 May 2016

How Reverse Mortgage funds can supplement super

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Reverse mortgage monthly drawdown option

New Reverse Mortgage feature: ‘Monthly Regular Advance’

By Andrew Ford

15 April 2016

Heartland launches new monthly drawdown option

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actuaries institute equity release

Actuaries Institute Urges Better Equity Release

By Andrew Ford

22 March 2016

Actuaries Urge Government Support of Equity Release

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Latest Reverse Mortgage Stats

Baby boomers embrace Reverse Mortgage for retirement funding

By Andrew Ford

08 March 2016

Baby boomers embrace Reverse Mortgage for retirement funding

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New Heartland Seniors Finance Website

Heartland Seniors Finance Launches New Reverse Mortgage Website

By Andrew Ford

22 February 2016

New Website for Heartland Seniors Finance

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Heartland Seniors Finance Special Offer - Valuation & Establishment Fees

By Heartland Staff Writer

13 November 2015

We are very pleased to announce that, until 31st January 2016, we are offering a reduction in fees for all new loan applicants.

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Finances

Managing Difficult Financial Times.

By Heartland Staff Writer

08 September 2015

There is increasing pressure to manage the costs of day to day living expenses, particularly for those on a fixed income. If you are experiencing financial difficulties during these troubled times there are options available to assist you.

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Aged Care

Aged Care made Easy

By Heartland Staff Writer

10 July 2015

How you can get the care you need, and keep your home

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Cooking

Butternut Pumpkin Soup with Cheesy Croutons

By Heartland Staff Writer

08 July 2015

This warm and comforting soup will be perfect this winter!

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Volunteering

Making a difference for both parties

By Heartland Staff Writer

01 July 2015

Why volunteering is a two-way street.

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Heartland Seniors Finance

Australian Seniors Finance is now Heartland Seniors Finance

By Heartland Staff Writer

26 June 2015

I am very pleased to advise that Australian Seniors Finance has a new name – Heartland Seniors Finance.

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Grandparents

The Grandparent Connection

By Heartland Staff Writer

15 December 2014

It’s no secret that grandparents play a vital role in their grandchildren’s lives. Highly regarded anthropologist Margaret Mead proposed that connections between the generations are “essential for the mental health and stability of a nation”

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Motoring

Driving questions

By Heartland Staff Writer

15 December 2014

It’s common practice to associate a certain type of car with a certain type of person, but what really drives people to choose one vehicle over another?

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Cooking

Cheesy caramelised red onion scrolls

By RMIT University

15 December 2014

These scrolls are made with a nice, simple dough that doesn’t need yeast, so they can be whipped up quickly when you need a tasty snack to feed the troops. If you don’t have time to make your own jammy onion, you can always get nice onion jam or relish from the supermarket. These are best served warm with a little extra melted butter or olive oil brushed on top.

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