What is the Seniors First Reverse Mortgage Secrets Guide?

The Seniors First Reverse Mortgage Secrets Guide is a free eBook designed for Australian seniors and retirees. It provides comprehensive information on how to release home equity safely through a Reverse Mortgage, helping you understand the process, benefits, and considerations involved. This guide has been downloaded more than 30,000 times

What topics are covered in the guide?

The guide covers ten important 'secrets' across thirty pages, including: Reverse Mortgage 'Pros' & 'Cons', different loan options available, interest cost, how to minimise interest, repayment options, and how to borrow safely and responsibly.

Who is the guide intended for?

The guide is intended for Australian seniors or those nearing retirement who are considering a Reverse Mortgage to fund their retirement living. It's especially useful for individuals whose wealth is primarily tied up in their family home.

Is there any cost or obligation to download the guide?

No, the guide is offered without any obligation or cost. It's a free resource to help you make an informed decision about Reverse Mortgages.

How can I download the Seniors First Reverse Mortgage Guide?

You can download the guide by visiting the Seniors First website at https://seniorsfirst.com.au/reverse-mortgage/download-free-guide/ and following the instructions provided.

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FREE Reverse Mortgage Guide

Learn how to release home equity safely, and save $1,000's.

Do your own research. Get the eBook too.

If you are an Australian senior or nearing retirement, chances are most of your wealth is ‘locked up' in the family home.

A Reverse Mortgage loan allows you to release some of this home equity – without the need to sell the property – so you can access cash.

If you are considering a Reverse Mortgage to fund retirement living, you should first do your own research. It's important you are well-informed before you apply.

This eBook will help you understand “how a Reverse Mortgage works” and is offered without any obligation or cost.

What's inside this FREE Reverse Mortgage guide?

The 'Reverse Mortgage Secrets" eBook has been downloaded by 20,000+ Australians since 2008.

Across thirty pages, this FREE guide reveals ten important 'secrets', including:

Reverse Mortgage 'Pros' & 'Cons'

A Reverse Mortgage loan, also known as a home equity release loan, has pros and cons. You need to consider your needs, retirement goals, and other circumstances that are unique to you.

Which loan options are best

Different Reverse Mortgage lenders offer a variety of loan options. Learn how you can save money by getting the most suitable loan structure in place.

Interest cost & repayment options

Learn how interest is calculated, and triggers for repayment. Understand the difference between ‘capitalised' & 'compounding' interest. Find out when & how to repay a Reverse Mortgage.

How to borrow safely & responsibly

Getting a Reverse Mortgage loan can significantly improve your quality of life. However, you must plan and consider other factors such as long-term costs, Centrelink treatment, future aged care needs, and more.

Rated 4.9 stars on

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

Deborah Collett

Lorette S.

6 days ago

I cannot speak highly enough of my experience with Cheryl Maclean her patience and guidance from my tentative inquiries to a result I am more than happy with. There was never a question I had that Cheryl couldn't answer confidently which in turn helped me make I believe the right decisions going forward.
Thank you Cheryl

Sue H.

6 days ago

Cheryl has been an absolute godsend since day one.
Nothing was too difficult.
Always there to answer any questions or to give advice through this whole journey.
I would recommend Cheryl to anyone contemplating a reverse mortgage
Many thanks
Sue

Jenni A.

1 week ago

Our consultant Cheryl Maclean was at all times very professional. She answered all our questions and took us through the process smoothly and we felt very confident. We highly recommend her services.

Dorothy M.

1 week ago

I can not speak more highly about the way I was looked after and by Senior first / Reverse mortgage Broker I would and will recommend them to anyone else who needs help . Your's Faithfully Dorothy Mattsson .Thank you once again for their help.

Kathleen H.

2 weeks ago

My husband and I had a wonderful experience with Seniors First for our reverse mortgage especially the great help with our stock broker Cheryl Maclean from Seniors First she could not do enough for us in helping us get the best reverse mortgage loan for us in Inviva and making sure we understood the whole process
Much appreciated Cheryl thank you 😊

lorraine G.

1 month ago

.My first phone call to Seniors First was the wisest move in gaining financial security and confidence in my senior years. Due to the expertise and sound advice of my broker, Adam Oakley, the process was fast and efficient. His excellent communication skills and knowledge make me wish I had acted sooner. He was so patient and supportive throughout the process, especially when I was navigating the digital technology of my application. Thank you Adam

sandra T.

2 months ago

My reverse mortgage has just been settled and I am very grateful to my broker Richard Chapman for all his help and advice. Richard guided me through the process providing all information in a timely manner and was always available to clarify any questions which arose. His professional approach together with his warm and engaging manner made working with Richard a positive experience from start to finish. My heartfelt thanks to Seniors First and Richard for their valuable service.

Denise C.

2 months ago

My experience with my broker, Angela Giokaris, was excellent; she kept me fully informed about the process (providing clear instructions and a numbered checklist of the timeline) and the expected duration of the entire process, which in my case was 6 weeks.
There was an issue with my own mortgagee which threatened to delay the settlement but in the end it was completed in time to suit my own needs.
Throughout this relationship, Angela was always available and encouraging. We communicated and worked well together so I would recommend Angela to anyone seeking to engage Seniors First to provide a Reverse Mortgage.

Eric B.

2 months ago

I recently had dealings with Adam Oakley from Seniors First & cannot recommend him highly enough. From start to finish he was a total professional. All my enquiries were promptly answered & he made the process very smooth & uncomplicated
5 stars all the way!

Judy H.

3 months ago

We have had an excellent experience with Seniors First. Cheryl McLean helped us from our first phone call through to finalization. She explained the process in detail, she was efficient and friendly, and always answered our queries quickly.
Highly recommend Cheryl

roland L.

3 months ago

I must say that five stars does not seem enough to value the service we received from Palka Kumar of Seniors First. What a painless process she made of securing a reverse mortgage for us. We had been a little worried about the details involved in the process, but Palka took all the stress out of it. She was quick to respond to queries and anxious concerns and was always available. What is more she was so personable and friendly that we felt we had known her for ages. We could not possibly have achieved the positive result we have attained without her knowledgeable and insightful assistance. In short she was just marvellous and we highly recommend her expertise and her enthusiastic service from Seniors First.
Roland and Shirley Lindenmayer
Tamborine Mountain, Queensland.

Ann R.

3 months ago

I had been considering a reverse mortgage for some time and had read information from various companies about how it worked. After about five months, I decided to explore it more seriously and attended an online presentation by Seniors First, which clearly explained the process and who it might suit.
I chose Seniors First because they focus on everyday seniors, and I felt more comfortable reaching out to them.
I am very glad I made contact and was introduced to Angela. From our first phone call, she explained the ins and outs of reverse mortgages in a clear and reassuring way. She made sure I felt comfortable with everything we discussed before moving on to the next steps.
Once I confirmed that I wanted to proceed, Angela arranged for all the information to be emailed to me and then followed up to make sure I understood everything. At times, the process felt complicated and stressful, and I called her several times to check that everything was correct. Her friendly manner, patience, and ability to answer questions clearly made the experience much easier and helped ensure all the paperwork was ready for processing.
Angela was professional, knowledgeable, and extremely helpful. I particularly appreciated the breakdown she provided of the different banks’ interest rates and turnaround times. Once I decided which lender to go with, she shared examples of how easy they were to work with—and she was absolutely right.
An Inviva representative also contacted me to explain how the reverse mortgage worked and to ensure that I fully understood everything before moving forward. After that call, settlement was scheduled for two days later. Although one party was not ready and this could have delayed the process by a week or more, Angela worked closely with the solicitors and helped make sure the loan still settled within the original two-day timeframe.
The loan did settle, and I now know I made the right decision. I feel as though I can breathe again, knowing I have funds available if anything happens in the future.
Thank you, Angela. Speaking with you felt like speaking with an old friend, and I truly appreciated your support.

Robert K.

4 months ago

Seema was extremely helpful and explain the process with us every step of the way.
Anyone thinking of a Reverse Mortgage to use Seema from Seniors First would find it advantageous to do.

Paul V.

5 months ago

Thank you Seema

Bruce C.

5 months ago

Hi Angela

Thank you for all the help that you provided in this matter.

Your service was exemplary. You guided us in what could be a complicated and stressful process at our stage of life. Your assistance relieved us of those pressures.

We would recommend your service to anybody.

Thank you

Bruce & Judith

Colin B.

5 months ago

totally friendly and helpful through the whole process, thank you Angela

Karen J.

5 months ago

What initially felt like a daunting process, was made seamless and easy. My broker Palka ensured that I was well informed at every step of the application process and was always readily available to respond to my questions. I feel excited to be able to move forward with my plans now.

Rick D.

5 months ago

We I cannot speak highly enough of Palka Kumar at Seniors First. From our very first interaction, she went above and beyond to understand our needs and find the best possible solution in the marketplace.

What truly sets Palka apart is her extraordinary depth of knowledge. She understands the full range of reverse mortgage products available better than virtually anyone — including, in our experience, the staff at the financial institutions offering those products themselves. She matched our specific circumstances to exactly the right option with confidence and precision.

On top of that, Palka is supremely organised, remarkably efficient, and an absolute pleasure to deal with. Her warm, personable manner made what can be a daunting process feel completely comfortable and straightforward.

If you or if a friend is considering a reverse mortgage, look no further than Palka Kumar at Seniors First. She is simply outstanding.

Lesley W.

7 months ago

We were very happy with the speedy and professional service from Seniors First. They helped us navigate all the options available and sorted out the paper work, making it a simple operation to find and apply for the most suitable reverse mortgage for our needs. Highly recommend!

David B.

7 months ago

I was very happy with Seniors First to organize my affairs. Seema was a nice person to deal with and great at getting my application approved, she persisted with my lack of Technology and sending documents. Her experience and knowledge will guarantee success.

barry T.

7 months ago

Understanding, deciding, facilitating and processing an application for a reverse mortgage is not a simple process, however having a Broker who works closely with you step by step is an absolute must have. We choose Seniors First based on peer and industry reviews coupled with the explanatory telecasts they provided explaining what was involved. Having decided to explore further we linked up with our Broker, Angela Giokaris via a lengthy phone discussion. Throughout the following weeks as the application process progressed we were confident that we were in good hands. Angela remained in contact every step of the way, openly ensuring we understood the pros and cons of a reverse mortgage and facilitated every step of the journey. Importantly, there were a couple of conditions from Heartland, our chosen bank, that we had issues with. Angela negotiated with Heartland on our behalf and secured the conditions we were chasing. We found Angela to be highly professional, very knowledgeable of the reverse mortgage product and banking generally. Importantly also, friendly, patient, considerate of our needs, thorough in detail and overall an absolute pleasure to work with. We are very happy with the end result and being able to convert our asset value to a cash value and opening the door to the rest of our lives. We would wholeheartedly recommend Seniors First, and in particular Angela to anyone who is considering going down this track. Barry.

Industry Awards & Recognition

Senior's First has developed a reputation as an award-winning Reverse Mortgage broker, and a trusted name among public policy organisations, the aged care industry, senior’s groups, older borrowers and their families.