FREE Reverse Mortgage Guide

Learn how to release home equity safely, and save $1,000's. 

Do your own research. Get the eBook too. 

If you are an Australian senior or nearing retirement, chances are most of your wealth is ‘locked up' in the family home.

A Reverse Mortgage loan allows you to release some of this home equity – without the need to sell the property – so you can access cash.

If you are considering a Reverse Mortgage to fund retirement living, you should first do your own research. It's important you are well-informed before you apply.

This eBook will help you understand “how a Reverse Mortgage works” and is offered without any obligation or cost.

What's inside this FREE Reverse Mortgage guide?

The 'Reverse Mortgage Secrets" eBook has been downloaded by 20,000+ Australians since 2008. 

Across thirty pages, this FREE guide reveals ten important 'secrets', including: 

Reverse Mortgage 'Pros' & 'Cons'

A Reverse Mortgage loan, also known as a home equity release loan, has pros and cons. You need to consider your needs, retirement goals, and other circumstances that are unique to you.

Which loan options are best 

Different Reverse Mortgage lenders offer a variety of loan options. Learn how you can save money by getting the most suitable loan structure in place.

Interest cost & repayment options 

Learn how interest is calculated, and triggers for repayment. Understand the difference between ‘capitalised' & 'compounding' interest. Find out when & how to repay a Reverse Mortgage.

How to borrow safely & responsibly

Getting a Reverse Mortgage loan can significantly improve your quality of life. However, you must plan and consider other factors such as long-term costs, Centrelink treatment, future aged care needs, and more.

Rated 4.9 stars on

“Sincere thanks to Andrew and Seniors First .. the loan has been life changing.”

Deborah Collett

D.L. Whiteman
01:54 17 May 25
We have just secured a reverse mortgage through Heartland Bank. Because we were buying a property with some of the proceeds it was quite complicated. However, Seniors First Consultant ANGELA GIOKARIS was on top of everything all the way,showing how experienced and dedicated she is. Settlement went without a hitch thanks to Angela. I would recommend her to anyone looking for a reverse mortgage loan.Elizabeth and Dennett Whiteman
Brenda Kendall
14:11 16 May 25
Thanks very much to Adam Oakley who helped us though the process of choosing which bank would be our best option for our reverse mortgage. I had done quite a bit of research before choosing a broker to help us though this. We even watched a seminar that Adam had participated in. The brokers all know the rules and regulations, banking and government stuff, that is involved to make sure that we knew what the mortgage meant to our finances and what paperwork we had to supply and when. Luckily we have had a couple of businesses over the last 15 years and had a good idea of some of the processes so we were able to complete all the paperwork fairly quickly and send it to Adam. Much to our surprise the whole process only took about 5 weeks from when Adam first replied to my request for information and when we got settlement on our mortgage. Thank you very much to Adam and everyone at Seniors First in the background that might have helped to make this so easy for us.
Lemonia Mchugh
10:03 15 May 25
Palka Kumar was excellent up deal with. Helpful and very efficient . Highly recommend her services.
Elizabeth O'Regan
04:38 15 May 25
Angela Giokaris facilitated our reverse mortgage with Seniors First. She was extremely helpful, having a great knowledge of the products and went the extra mile to ensure we both understood the various options which helped us decide on the most suitable option for our situation. She was always available to answer any queries we had. We have no hesitation in recommending her to other prospective clients.
Nev Daniels
02:16 15 May 25
Adam was knowledgeable, very pleasant to deal with, and professional.All up a good experience.
Else Ferreira
04:09 14 May 25
I had the best experience ever with Palka Kumar. She was very helpful and explained everything very well well, plus she was so patient. Pleasure to have her as my mortgage broker. Thank you Palka
John Anderson
05:48 09 May 25
We highly recommend Senior First for reverse mortgaging. Palka Kumar was our broker representative. She gave us sound and prompt advice and guidance throughout the submission application period. It was a pleasure working with her.John Anderson
Ruth Martin
12:25 08 May 25
Well I had a great broker PK she explained everything as there is a lot to know and you really do need someone who knows how to communicate and understand your needs.Maybe this is not for everyone but for myself it is. Yes there is a lot reading and all the support is there for you all the way Thankyou PK for all the help you gave me so very much appreciated I wish you all the best :)
Chris Wallis
01:40 06 May 25
Thank you Palka for your care, support and understanding during my reverse morgage process. You were always professional in your communication with me....many thanks
Vicki Fraser
04:08 05 May 25
Thank you to Angela, her support was invaluable. She helped guide us through the process in a very professional, friendly and efficient manner. Her help was greatly appreciated, we couldn't have done it without her. Nothing was too much trouble.
Lindsay Flint
02:33 02 May 25
I highly recommend Adam.Adam has a very pleasant personality, is easy to talk to and knows the reverse mortgage process very well.He advised me, organised everything, kept me well informed all the way through and made the process easy for me.Thank you Adam.
Tom Sweeney
01:18 02 May 25
Angela was superb. Very professional and efficient.TOM SWEENEYKillara
Rose McMahon
02:46 01 May 25
Absolutely fantastic service. Very prompt. I’m very happy with my experience.
Margaret Dalos
09:04 30 Apr 25
The experience I had with Seniors First and in particular Dean Hukin was first class.Dean who I dealt with to attain my Reverse Mortgage was the most friendly courteous and knowledgeable person and he is an absolute credit to Seniors First.His knowledge and excellent PR skills were wonderful and nothing was too much trouble and he was always available to answer any questions I asked if him.I would certainly recommend Seniors First and in particular Dean Hukin to anyone considering a Reverse Mortgage.
Rod Hard
21:49 29 Apr 25
Application and support in completing application was handled expediently and professionally.
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