Transform Your Retirement with Home Equity Release

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Since 2001, Key Choice Lending has been empowering seniors to live their retirement dreams by unlocking the equity in their homes without the need to sell. Our award-winning team is recognized for their dedication and expertise in providing financial solutions that ensure a comfortable and secure retirement.

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What Exactly is Equity Release?

Retirees Equity Release, or a reverse mortgage, allows you to tap into the equity of your home, turning it into a flexible financial resource. Whether it’s for daily expenses, healthcare, or fulfilling lifelong dreams, equity release offers a way to enhance your retirement income without moving out of your home.

Is Equity Release Right for You?

Designed for homeowners aged 60 and above, equity release could be the solution you’re looking for to boost your retirement income and manage significant expenses, leveraging the home equity you’ve built over the years.

Your Potential Borrowing Capacity

Understand how much you could borrow through equity release by using our calculator, where your borrowing capacity is determined by your age and your home’s value.

Protecting Your Future

Equity Release plans come with safeguards to ensure your peace of mind:

Lifetime Occupancy

No Negative Equity Guarantee

30-Day Cooling-Off Period

Equity Protection Option

These protections are part of our commitment to you, ensuring you’re making a confident and informed decision.

The Pros and Cons

Considering equity release? It’s essential to weigh both sides:


Stay in your home while accessing equity.

Flexible fund receipt options.

No monthly repayments.


Loan balance may increase over time.

A Reverse Mortgage may affect the estate's value for beneficiaries.

Typically, interest rates are higher than standard mortgages.

Award-Winning Service

Our team at Key Choice Lending has been recognized as the Best Boutique Non-Franchise Office, 2024, a testament to the exceptional service and advice we provide in the field of equity release.

Personalised Advice Across Australia

Wherever you are in Australia, from Melbourne to the Mornington Peninsula, we offer personalized advice tailored to your unique situation.

Helpful Resources

For more information on how equity release can fit into your retirement planning:

My Aged Care: For extensive aging-related resources, visit My Aged Care.

MoneySmart Reverse Mortgage Calculator: Understand the long-term impact of a reverse mortgage with ASIC's Calculator.

Discover how Key Choice Lending can help you unlock the full potential of your retirement.

Disclaimer: Equity release products are subject to lender approval. Terms, conditions, fees, and charges apply.

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