Key Choice Lending
Matthew Clark — Founder & Head of Client Strategy

Matthew Clark

Founder & Head of Client Strategy

Dip. Fin. Services (Mortgage Broking) · Dip. Prop. (Agency Mgmt) · QPIA · Credit Rep. 508009 · ACL 538623 · Amazon Bestselling Author ×2

$1B+Lending Facilitated
3,000+Clients supported
70+Lenders

Strategic Lending Advisory

Significant equity in your home. Limited access to cash. There is a structured way to change that.

A reverse mortgage is not a last resort. It can be a considered financial decision.

The product you choose, the lender you use, and when you enter the arrangement all affect how much equity remains — over a ten or twenty-year horizon, the differences compound.

Apply for a Strategy Session →

Questions? Call us on (03) 4329 0901 — Mon–Fri 9:00am–6:00pm

WINNERBetter Business Awards 2024
FINALISTBetter Business Awards 2025 & 2026
FINALISTAustralian Broking Awards 2025
FINALISTFBAA Finance Broker of the Year (VIC) 2025

A reverse mortgage is not one product. It is a long-term structure with compounding implications.

The interest capitalisation rate, the loan-to-value ratio, the protection provisions, and the lender's policies around property sale and aged care transitions all determine how the product performs over a ten or twenty-year horizon.

Understanding these factors before signing is the difference between a decision that holds up — and one that doesn't.

This is why we start with your full financial and personal position, not a product.

What We Do

Before we make any recommendation, we establish:

  • Your current income, expenses, and superannuation position.
  • Your property value and existing mortgage position.
  • Your intended use of funds and timeline.
  • Your aged care and estate planning considerations.
  • Your family circumstances and any co-borrower position.

Only then do we assess whether a reverse mortgage is appropriate — and if so, which lender and structure fit your situation.

The CARE Framework

How We Work With Reverse Mortgage Clients

A four-step process refined over 3,000+ client engagements.

01

Clarify

Understand your position and goals

We take the time to understand your full financial and personal picture before making any recommendations. A reverse mortgage is a long-term decision. The Clarify step is where we make sure it is the right one.

02

Advise

Design the right lending strategy

We eliminate lenders whose products don't fit your position before identifying those that will. We assess terms, interest capitalisation rates, LVR limits, negative equity protection provisions, and lender policies around aged care and property sale — across our panel of 70+ lenders. We present the options clearly so you can make a fully informed decision.

03

Execute

Secure the right structure and outcome

We manage the application and settlement process from start to finish — including coordination with your solicitor and financial adviser where required. The complexity stays with us. The process stays simple for you.

04

Review

Protecting and growing what you have

We monitor your reverse mortgage and keep you informed as your circumstances, property value, or care needs change. If a better product becomes available or your situation warrants a reassessment, we initiate that conversation — you don't need to come to us.

This engagement is for you if:

  • You are 60 or older and own your home with significant equity
  • You are looking to access a portion of that equity without selling or making regular repayments
  • You want to understand whether a reverse mortgage is appropriate for your situation before making any decision
  • You are prepared to discuss your full financial position, including superannuation, income, and estate planning considerations

This engagement is not suitable if:

  • You are looking for a standard home equity loan or line of credit — these are different products with different eligibility criteria
  • You are not prepared to discuss the long-term implications of interest capitalisation and estate planning as part of the process
  • You are not prepared to involve your family or legal adviser in the process where appropriate
  • You are under financial pressure and looking for an immediate solution without a full assessment

If this aligns with your situation, you can apply below.

Reverse Mortgage
Suitability is confirmed prior to engagement.For urgent matters, call (03) 4329 0901.