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Andrew Cate

Reverse Mortgage Broker, Sydney

Rated 4.9 stars

Andrew Cate

Reverse Mortgage Broker

"No two Reverse Mortgages are the same, and I work hard on tailoring each loan to best help the borrower. Helping people make an informed decision is vital, and showing borrowers which lender suits them best can make a difference both now, and years down the track."

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About Andrew Cate

Andrew is an accomplished Reverse Mortgage broker in Sydney, NSW. He is based on the Northern Beaches but assists borrowers with Reverse Mortgages across all of NSW.

He has extensive experience in helping people over 55 release home equity to improve their retirement lifestyle.

Qualified in finance and mortgage broking, he has a detailed knowledge of the best Reverse mortgage lenders and interest rates.

Before joining Seniors First in 2014, Andrew was an established writer, and has run his own business for over 20 years.

He first became interested in Reverse Mortgages after seeing his father struggle to enjoy life on the age pension.

“Most people over the age of 55 didn’t grow up with compulsory super, and many will face financial challenges. It’s enjoyable talking to people, getting to know what they need, and showing how a Reverse Mortgage can better their life."

Andrew's Broker Performance Metrics

Reverse Loans by State

90.00%

2.50%

5.00%

2.50%

Loan Approval Rate 40 % Customers served!

Industry-leading approval success rate

Avg Borrower Age 40 Customers served!

Years (typical retirement age group)

Avg Home Value $ 40 Customers served!

Average property valuation of clients

Meet Andrew Cate

Watch this personal introduction to learn more about his approach.

Experience & Achievements

Loan Approval Rate 40 Joined Seniors First

Started career as Reverse Mortgage Broker

Loan Approval Rate 40 + Years in Business

Established business owner and loan writer

Loan Approval Rate 40 + Clients Helped

Successfully assisted over 1500 families

Loan Approval Rate 40 % Client Satisfaction

Committed to exceptional service

Areas of Specialisation

Expert guidance for Over 55's home equity release and later-life finance

Debt Consolidation Solutions

Complex deal scenarios

Mortgage refinances

Rate negotiation

Living Expenses Support

Loan structuring

Retirement funding

Qualifications & Accreditations

Member of FBAA (Finance Brokers Association of Australasia)

AFCA Registered (Australian Financial Complaints Authority)

Certificate IV in Mortgage Broking

Professionally Licensed Under ACL 388952

In-house Seniors First credit coach

'Seniors Equity Release & Reverse Mortgage' AAMC Course

Success Stories

Real examples of how Seniors First are changing lives for the better.

Home Renovation Dream Realised

$120,000

Margaret & John, 68 & 70
Bondi, NSW

Situation:

Wanted to renovate their family home of 40 years to age in place but were on a fixed pension.

Solution:

Secured $120,000 through a Reverse Mortgage to fund bathroom accessibility upgrades and kitchen renovation.

Outcome:

The couple now enjoys a modern, accessible home and can remain close to their children and grandchildren.

Debt-Free
Retirement

$85,000

Patricia, 72
Parramatta, NSW

Situation:

Struggling with credit card debt and personal loans totaling $85,000, causing significant stress.

Solution:

Consolidated all debts into a single Reverse Mortgage with lower effective interest.

Outcome:

Patricia is now debt-free and enjoys peace of mind with no monthly repayments required.

Home Renovation Dream Realised

$120,000

David & Susan, 65 & 63
North Sydney, NSW

Situation:

Always dreamed of a 3-month European trip but could not access their superannuation yet.

Solution:

Released $45,000 in home equity to fund their dream holiday.

Outcome:

The couple enjoyed the trip of a lifetime, creating memories with family in Europe.

What the clients say

Rated 4.9 stars on Google

Peta R.

2 days ago

I was extremely pleased with all the help i received from Adam at Seniors First. He was patient and understanding with my questions. I would recommend him to my friends should they need to go down this path.

Mike “Magyarmeister.” R.

3 days ago

My experience with Seniors First has been exceptional. My dealings with my personal broker Palka Kumar have been and are excellent. Palka has been a wonderful person to deal with and has been extremely helpful in all aspects of the process. Thank you.

Sue T.

4 days ago

I am been blown away with all aspects of the experience with your company and the lovely and helpful staff

victor D.

5 days ago

Seema provided timely and useful consulting support throughout the setup process. She was a pleasure to work with.

Stephen B.

6 days ago

We would like to thank Cheryl for all her help and her excellent way of looking after every detail of the process. From start to the finish of the application she was amazing. Cannot thank her enough.

Judith T.

1 week ago

I would highly recommend Seniors First to anyone who is uncertain where to start in the reverse mortgage process. Their website is excellent. Adam Oakley made the application process so clear and precise. He was very knowledgeable and ever so patient in answering all my questions and explaining all the various options available. Thank you Adam for creating such a positive experience. My family and I are very happy with the outcome. Much appreciated…Judy

evelyn G.

2 weeks ago

From start to finish going through the whole process of the loan I found Cheryl Maclean has helped me greatly with every aspect of it she has always been accessible when ever I had a question that I was not sure of and it didn't matter what time it was so I would highly recommend Cheryl from Seniors First the place to go if you are thinking of a Reverse Mortgage Broker

Glenn R.

2 weeks ago

Andrew has been outstanding. He has assisted us in a professional manner and was always across our needs. We are very impressed and would recommend him to anyone seeking a capable broker.

Dana H.

2 weeks ago

Palka Kumar has made the process of applying for a reverse mortgage very easy. She has been extremely helpful, patient and was available at all times to explaining the whole process to us. I highly recommend Palka to anyone who is interested in applying for a reverse mortgage.

Lisa H.

2 weeks ago

Greg was excellent and guided me through the process which can be long and complex

paul B.

2 weeks ago

Having selected Seniors First as our broker, Seema took on our case and we are glad she did, Guiding us through the process, with person to person communication together with the Serah portal. Tks Seema.

Stephen L.

3 weeks ago

Palka Kumar brokered with us for the best options to take out a Reverse mortgage loan. We found her to be fully conversed with the process and able to answer every question we had about concerns. Always very pleasant and helpful, taking the stress out of what is a very big decision to make. Thank you Palka for your assistance and we would recommend you to anyone wanting to talk on this subject and financing in general.

Ian B.

3 weeks ago

At age 86 I was surprised to find that the bank I relied on for eighty years no longer provided reverse mortgages. Although very wary of the web I searched and found Seniors First which appeared well respected. My journey through the application process and the complications presented by an existing Government HEAS loan has been guided every step of the way to completion by their R. M. Specialist Cheryl Maclean. Thank you Cheryl and Seniors First – 100%.

Ramsay S.

3 weeks ago

Professional, caring, and very pleasant indeed! I don’t think there are many people out there who work with such dedication, and this is my second reverse mortgage signed successfully with Palka.

Mario B.

3 weeks ago

from the time we started to the time everything was done,Cheryl Maclean has been so helpful to us she has been there for us anytime we needed her.She is a huge credit to the company and it has been a pleasure knowing her .

Dina B.

3 weeks ago

Our experience with Cheryl has been nothing but amazing. She has helped along this process with much thought and dedication, she has been so patient and supportive throughout the whole experience. We definitely recommend Cheryl. Even when things were getting a bit complicated for us she was always patient. So many phone calls that we made to her she never made us feel like we were a nuisance. A very high praise to her. I’m sure as she went home at night she will feel she’s doing a great days work, for us and anyone else she’s helping. Thank you so much Cheryl for your help at this time of this experience we went through together. We are very grateful that you have been there for us. A very special thanks from Mario and Dina.

Peter W.

4 weeks ago

Thanks Angela Giokaris at Seniors First. Your help and guidance made it much easier to successfully apply for a Reverse Mortgage Loan.

Patricia A.

4 weeks ago

Thank you for all your help... Very good too deal with

Richard H.

4 weeks ago

Angela Giokaris was our Reverse Mortgage Consultant at Seniors First to assist my wife and I to obtain a Reverse Mortgage. Angela's service was exceptional. She provided comprehensive information in a very user-friendly format and was always available to answer questions and provide clarifications. Angela secured an excellent interest rate following a competitive tender of available providers of Reverse Mortgages. My wife and I are very happy with the outcome and recommend Seniors First, and particularly Angela Giokaris, to other people interested in this product. Richard Hughes

Mark W.

1 month ago

Palka Kumar from Seniors First was excellent at guiding me through my Reverse Mortgage process.

Lorette S.

1 month 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

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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.