Start living again.

Fund your retirement with a Reverse Mortgage loan.

As seen in

Australia’s #1 Reverse Mortgage loan broker

Since launching in 2006, Seniors First has helped thousands of people over sixty release home equity for cash. 

And it's no wonder, because there are good reasons why it’s better to use a broker when applying for a Reverse Mortgage loan:

  • Access many lenders at once
  • Easily compare Reverse Mortgage loans
  • Deal with experts in getting loans approved
  • Learn how to minimise interest charges
  • Find a low rate & get a great deal

The Seniors First team are ready to help you too.

And when it’s time to apply, we’ll do all the legwork for your loan application, while you kick back & avoid the hassle.

Download your free Reverse Mortgage guide

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Rated 4.9 stars on

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

Deborah Collett

Diane Vince
06:33 19 Jun 25
I can’t speak highly enough of Seniors First Reverse Mortgage Brokers. From the moment I made contact with them regarding a possible application for a Reverse Mortgage
I felt extremely comfortable working through the process. There was no pressure to continue but I am extremely glad I decided to proceed.
Seniors First were very considerate and concerned that I completely understood the pros and cons of the decision I was making. I felt at ease discussing the very involved process through very friendly and supportive phone conversations and via many emails. I greatly appreciated how I was kept up to date with the applications progress. Contact about any concerns was always welcome.
I unreservedly recommend their thorough unquestionable service. I am amazed at how smooth the process was, especially as it resulted in a very positive outcome.
Thank you for your friendly, unbelievable guidance and support.
Suzzanne Poré
04:13 18 Jun 25
I don’t normally write reviews, it’s never that often that I come across great people, or companies as a whole. I just want to set a scene so to speak, because I know anyone reading this is in the same place I was in. The past few years have had some of the most challenging health issues, then chuck in a hip replacement on top. The last 12 months have been the most expensive. My home is literally crumbling down around me, I won’t list things, it will make your mind boggle.
I had heard about reverse mortgages a number of times over the past couple of years, very different from a standard mortgage. It made me a little nervous, but I did research. I rang a couple of brokers, what’s your email, if you have any questions, ring me back.
Adam Oakley from Seniors First, was the first one to truly speak to me. Answered all my weird questions, gave me so much information, and helped me all the way. Some critical information such as Centrelink, I checked up on. Adam was spot on with what he had told me. Do your own research, government web sites, brokers, and lenders so you can understand what is being explained. Taking on anything financial is a huge step, being guided (handheld, in my case) by Adam is a blessing.
Giovanna Burgess
02:32 13 Jun 25
I had a very positive experience with Seniors First when arranging my reverse mortgage.
The kindness and understanding shown by my broker made the entire process smooth and reassuring. He truly listened to my needs and worked hard to achieve the best possible outcome for my situation. I’m genuinely grateful for the support I received and would highly recommend Seniors First for anyone considering their financial options in later life.
Neil Carr
05:08 09 Jun 25
Seniors first reverse mortgage definitely ticks all the boxes as a gold star product.
Richard Chapman explained very clearly from the outset how this works and held our hands throughout the whole process, even when it got a little tricky with an outstanding level of professionalism and patience i might add.
If you are reading this and are contemplating a reverse mortgage look no further call Richard Chapman at seniors first.....first.
Brenda Lindquist
05:47 27 May 25
Don't know what I would have done if it wasn't for Angela. She's really good at what shes does and she spooned fed me all the way to settlement. I have no hesitation in recommending Seniors First & especially Angela, where speaking with her was like speaking with a friend. Great girl & honestly she will be my first point of call should I have another adventure.
Geoff Lam
05:35 23 May 25
I'd like to sincerely thank Adam Oakley from Seniors First who'd help me secure my reverse mortgage with Inviva.Adam was very thorough and professional when guiding me through all the steps. Adam constantly created a lot of confidence and showed a personal interest and patience during his follow-up. I highly recommend Adam from Seniors First if you family or friends are contemplating a reverse mortgage. Thank you again Adam. Geoffrey Lam.
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.
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.
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.
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.
Charles Dearling
06:57 29 Apr 25
When I started the Reverse Mortgage process it was with some trepidation. In the end I had a superb broker - Adam Oakley. He was extremely helpful, reassuring, and gave excellent advise, as well as putting up with my questions, and putting me at ease. Now its finalized, I'm very happy with the result. Would recommend Adam and Seniors First to anyone. Many thanks Adam for all the hard work.
Christine Walker
23:09 28 Apr 25
Andrew at Seniors First did an amazing job setting up a Reverse Mortgage loan for me and my family. Due to my complicated family structure the setting up process wasn’t easy. Andrew with his considerable expertise and diplomacy overcame all obstacles to obtain a very favourable result.
I am happy that through this loan I’ve been able to lend a helping hand financially to my family.
I recommend with confidence Seniors First for anyone wishing to obtain a Reverse Mortgage loan.
Stephen Hansen
10:13 26 Apr 25
I would like to thank Angela at Seniors First for helping me with my reverse mortgage application. The process was extremely easy because of all the help and advice that Angela passed onto me. I would recommend Seniors First to anyone thinking of getting a reverse mortgage in the future. Regards Stephen Hansen.
Gillian Rogerson
05:24 24 Apr 25
Based on my experience of working with Andrew Cate of Seniors First, I can highly recommend him. He is professional in his approach, knowledgeable and works hard to get the best possible outcome. He is always courteous, and I am very pleased with the outcome achieved with him.
Jane Barron
02:12 16 Apr 25
I had made contact with Seniors First in 2023, In Feb 2025, Adam Oakley contacted me to find out if I was still interested in applying for a Reverse Mortgage, I confirmed this, but said I couldn't go ahead until I had confirmation from the builder, he then sent some necessary information, Adam continued to keep in touch. I finally got a quote from the builder and the process of applying for a Reverse Mortgage began. Adam was wonderful, as an elderly lady, I often found the legal jargon daunting, but Adam was always available to address my fears, nothing was too much bother. Finally it was time to sign the contracts etc, so much paper work. Once again Adam assured and explained everything and my fears disappeared. I now have the funds in the bank, and am ready and excited to start the new project in my house. I am so thankful to Adam for all his help, assurance and assistance.

The history of Reverse Mortgage loans in Australia

1992 ›

Reverse Mortgages have been available in Australia since the early 1990’s. The Advance Bank was the first lender to offer a true Reverse Mortgage Loan (as opposed to a line of credit), but the product was only mildly popular due to limited demographic demand of the times.

1998 ›

When St George Bank took over Advance bank in 1998 it inherited their Reverse Mortgage loan product and this has since developed into the Senior’s Access Home Loan they continue to offer today.

2001 ›

Around 2001 the Commonwealth Bank entered the Reverse Mortgage market with the release of what is now known as ‘Equity Unlock For Seniors’.

2002 ›

From 2002 there was a period of steep growth in the Australian Reverse Mortgage market.

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