Business Details
Expert Reverse Mortgage Advisors for Australian Seniors
Reverse Mortgage Finance Solutions (RMFS) is Australia's largest national network of accredited reverse mortgage brokers, specialising in helping seniors access their home equity safely. With over 50 years of collective experience, our team of ASIC-registered credit advisers has settled hundreds of loan transactions across multiple lenders. We provide face-to-face consultations in NSW, QLD, WA, and VIC, offering tailored advice on equity release, pension implications, and estate planning. Our advisers operate under their own credit licences, prioritising client needs while adhering to the National Consumer Credit Protection Act.We partner with trusted lenders like Heartland Financial and Gateway Bank, ensuring transparent processes and compliance with ASIC regulations. Our service includes property valuation assistance, loan application management, and ongoing client support, with a focus on ethical practices and long-term client outcomes. We educate clients on reverse mortgage risks and benefits, facilitating informed decisions about debt consolidation, aged care funding, or home improvements. Our nationwide team meets clients at home or via digital platforms, ensuring accessibility for all Australian seniors.
Services
Reverse Mortgages
Equity Release
Pension Impact Assessment
Loan Comparison
Home Valuation Assistance
Estate Planning
Aged Care Funding
Debt Consolidation
Digital Consultations
Loan Application Management
Highlights and features
- Advisers hold individual ASIC credit licences for direct accountability
- Nationwide face-to-face service with local state representatives
- 50+ years combined experience in senior equity release solutions
- Partnerships with trusted lenders like Heartland Financial and Gateway Bank
- Comprehensive education on reverse mortgage risks and benefits
Associations and certifications
- ASIC
- Finance Brokers Association of Australia
What people say
Great service
Professional guidance
Helped during difficult times
Excellent outcome
Always available
Services
Reverse Mortgages
Reverse mortgages allow Australian seniors to access home equity without selling their property. Our advisers assess eligibility based on age, property value, and financial needs. Funds can be used for debt consolidation, medical expenses, or retirement lifestyle improvements while maintaining home ownership.
Pension Impact Assessment
We evaluate how reverse mortgages affect Centrelink payments and government benefits. Our advisers provide detailed projections of pension reductions and help structure loans to minimise financial impacts while ensuring compliance with Department of Human Services regulations.
Loan Comparison
Compare products from multiple lenders including Heartland Financial and Gateway Bank. We analyse interest rates, repayment terms, and eligibility criteria to recommend loans matching clients' retirement goals and long-term financial sustainability requirements.
Estate Planning
Our advisers help clients understand how reverse mortgages affect estate values and beneficiary entitlements. We provide strategies to preserve inheritance through partial equity release and structured repayment plans that balance current needs with future obligations.
Digital Consultations
Access expert advice via Zoom, Skype, or Facetime without travel requirements. Our secure online platform enables document sharing and real-time discussions about loan applications, property valuations, and settlement processes for clients Australia-wide.
People
Raymond Taylor
NSW / ACT Adviser
Experienced reverse mortgage broker with 15+ years in senior finance solutions. Specialises in equity release strategies for retirement planning and aged care funding across NSW and ACT regions.
Nick Taylor
NSW Adviser
Dedicated adviser focusing on home equity solutions for seniors. Provides face-to-face consultations in NSW, helping clients navigate reverse mortgage options and pension implications.
Paul Dwyer
VIC / TAS Adviser
Qualified credit adviser with extensive experience in reverse mortgage applications. Services clients across Victoria and Tasmania, offering tailored financial strategies for retirement needs.
Scott Gillespie
WA / SA Adviser
Specialist reverse mortgage broker covering Western Australia and South Australia. Focuses on ethical lending practices and comprehensive client education about equity release options.
Peter Bolitho
QLD Adviser
Experienced Queensland-based adviser providing expert guidance on reverse mortgages and retirement funding. Specialises in helping clients across QLD and NT regions access home equity responsibly.
Questions
What is a reverse mortgage?
A reverse mortgage lets Australian seniors access home equity without selling their property. Borrowers receive funds as a lump sum, regular payments, or credit line while retaining ownership.
How does age affect eligibility?
Most lenders require borrowers to be at least 60 years old. Loan amounts increase with age, as older applicants typically receive higher percentages of their property's value.
What are the pension implications?
Reverse mortgages can affect Centrelink benefits. We provide detailed assessments showing how loan structures impact pension entitlements and help clients optimise their financial position.
Can I repay the loan early?
Yes, reverse mortgages allow partial or full repayment at any time without penalty. This flexibility helps clients manage their equity and potential inheritance for beneficiaries.
How are property valuations conducted?
Independent valuers assess property value to determine loan limits. We coordinate this process and explain valuation outcomes as part of our transparent advisory service.
What happens when I move into aged care?
Reverse mortgages become due when the last borrower permanently leaves the property. We help clients understand repayment requirements and plan for aged care transitions.
