Is a Reverse mortgage right for me?

4/15/2019

Since 2004, Heartland has assisted over 17,000 Australians aged 60 and over release equity from their home, helping them to live a more comfortable retirement, with independence and dignity. However, some misconceptions regarding what a reverse mortgage is, and how they work, persist.

Watch the video below to debunk three common reverse mortgage myths:

Heartland video

Did you know that reverse mortgages are one of the most heavily regulated consumer finance products in Australia? The Heartland Reverse Mortgage has a number of protections to provide you with maximum peace of mind. These include:

Ownership. You remain the owner of your home and continue to live there for as long as you choose, enjoying the independence and connection it provides to your community, family, and friends.
No Negative Equity Guarantee. Provided the terms of the loan are met, the amount required to repay the loan will never exceed the net sale proceeds of the property.
Independent Advice. Independent legal advice, from a solicitor of your choice, is required to help ensure you are making an informed decision. In addition, we encourage you to consider independent financial advice, and to discuss the loan with your family and Centrelink.
Loan Repayment Flexibility. Regular loan repayments are not required on a reverse mortgage, however a Heartland Reverse Mortgage also provides the flexibility to repay the loan, in part or in full, at any time, without penalty.
Equity Protection Option. Heartland's Equity Protection Option allows you to choose to protect a portion of the eventual net sale proceeds of your home.When your loan is repaid you or your estate then receive, at a minimum, any chosen Equity Protection percentage.
30 Day Cooling Off Period. If you take out a loan and have a change of heart, our cooling off period allows you to cancel your reverse mortgage within 30 days of settlement and repay your loan at no additional cost.

As you can see, our reverse mortgage has been developed with customer protection at its heart. Read more about these protections on our Borrower Protection page.

Alternatively, if you'd like to talk to a Accredited Authorised Broker contact me on 0411 849 804. I'd be only too happy to discuss any questions you may have.

5 Comments

Charlie link

7/17/2021 04:43:25 pm

I would definitely recommend this to others.
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7/17/2021 04:48:33 pm

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7/17/2021 04:52:04 pm

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Is a Reverse mortgage right for me?

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