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

Kenneth SchraderKenneth Schrader
05:12 09 Aug 22
I cannot speak highly enough of Andrew Cate, my Seniors First Reverse Mortgage Specialist. Andrew was highly professional and was on board to my... needs immediately I made my first call to him. Thank you Andrew for making life a little more easier for me.read more
Peter SullivanPeter Sullivan
23:37 02 Aug 22
Bill James Vic Broker for Seniors First assisted me through the minefield of refinancing from another lender. We met face to face in Brunswick and he... was well organised and very professional. I have has several phone conversations with Bill along with emails. He always gets back to you with the required information.Bill has a cheerful and professional approach to his profession. I have no hesitation to n recommending Jim..Andrew. I have no would have noread more
Marcus HorneMarcus Horne
21:51 12 Jul 22
Brilliant service and attention from the broker which made the entire process seamless and hassle-free. Could not recommend more highly.
Pauline SchmidtPauline Schmidt
06:35 12 Jul 22
Ambreen Sumar was our broker. She was an absolute delight to talk to. She talked through all scenarios, was very patient with all our questions and... was impeccable with her explanations and follow up. Highly recommend.read more
Leonie LyallLeonie Lyall
05:26 29 Mar 22
Andrew Cate has led me through a second Reverse Mortgage application with great patience, courtesy and expertise. I have no hesitation in... recommending Andrew to anyone who is looking to explore this avenue.read more
Jo CooperJo Cooper
00:28 29 Mar 22
My experience with Seniors First and in particular Andrew Cate, was simply amazing. He walked me through every single step of what would have been a... very harrowing experience otherwise. He was always available to talk with me, explain things, guide me and support me. He aided me with the enormous amount of paperwork and showed genuine care and compassion. He truly is not only an expert at what he does, but a committed and deeply passionate person. I could not recommend him more highly. He has a wealth of knowledge and experience and was able to give me peace of mind throughout the entire process.. At the age of 70 and recently widowed, heunderstood my needs and provided me with all my options then set about making it happen for me.read more
Chris KitamuraChris Kitamura
23:27 27 Mar 22
We dealt with Ambreen Samar who was amazing. She went through our various requirements to choose the right lender and then proceeded to provide... excellent advice and generally make the whole process seamless and easy. There were a couple of issues which she gave great advice on, and she handled all the hard stuff with the lender. I couldn’t recommend her more highly. Thanks Ambreen.read more
padriac murraypadriac murray
22:39 15 Jan 22
Professional and attentive service. Nothing too much bother. Lots of personal stuff needs to be covered all of this handled well. I felt comfortable.... I am a natural cynic but no radar alerts in my dealings here.read more
Brian DonagheyBrian Donaghey
03:29 05 Nov 21
We are very pleased that we decided to contact Seniors First about a reverse mortgage. We consider ourselves fortunate that we had Andrew Cate as... their representative. Andrew was knowledgeable, professional, ethical, informative, approachable and helpful at all times. Andrew very clearly advised us of both the advantages and disadvantages of a reverse mortgage. When we decided to proceed, Andrew guided us through the process every step of the way. With Andrew's help we obtained a suitable reverse mortgage through Gateway Bank. As a result of our experience, we highly recommend Seniors First, and, in particular, Andrew Cate. Thank you Andrew from Brian and Beverley.read more
Don SmithDon Smith
00:43 25 Aug 21
On retirement at age 75, my superannuation cleared my mortgage and other major liabilities with a small balance but my wife and I realised the aged... pension was insufficient even for our modest lifestyle. Going by the numbers, we were advised to downsize but that didn't take into account how much the amenity and the location of our house contributed to the quality of our life.We had been warned about the risks of reverse mortgages but we were also aware that they had been subject to close scrutiny in recent years and that there had been substantial improvements to the products available. Andrew Cate from Seniors First took great pains to ensure we understood the financial risks involved and our obligations in taking on a reverse mortgage while explaining the advantages and benefits we could enjoy.Andrew reviewed our requirements, as we did need initial funding for some remedial building works and had plans for other improvements over the next 5 years - but we didn't need a large upfront advance. As a result, he was able to recommend a reverse mortgage product from Gateway which will suit us very nicely over the next 10-15 years while we are able to enjoy an active independent lifestyle.read more
Cheryl ClancyCheryl Clancy
06:33 30 Jul 21
Thank you to Andrew Cate and Seniors First for first rate service nothing was a bother and we appreciate your help
Ian CornishIan Cornish
06:44 06 Jul 21
Firstly let us say that we have no complaints about Seniors First.Secondly, the representative we dealt with was very helpful, personable and always... followed up promptly to any questions or queries that we had. We were impressed with his diligence.Thirdly, we highly recommend Seniors First based on our experience with them.Fourthly, if all your dealings with both Seniors First and the bank are all done via email and telephone calls it can be quite arduous getting through all the mountain of paperwork and reading attached to the complete paperwork package.read more
Angela FemiaAngela Femia
20:04 24 Jun 21
Andrew Cate from Seniors First was amazing, he managed to arrange my reverse mortgage seamlessly. Working with him made the whole process completely... painless and he explained every step along the way. I have no hesitation in recommending him to anyone thinking of this kind of mortgage Thank you so much Andrrw and Seniors First!read more
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