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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

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.
Colin Thompson
06:02 11 Apr 25
I was lucky to have my broker Palka Kumar assigned to me for my Reverse Mortage loan. I found Palka to be extremely professional and extremely helpful in all the aspects of securing my loan. I highly recommend her to any future customers of Seniors First.
Doug Coombes
06:31 07 Apr 25
I had a first and second mortgage that I needed to discharge in order to arrange a reverse mortgage. Adam Oakley from Seniors First assisted me with the entire process. Thanks to Adam the transition went smoothly, and I was able to achieve my goals.
Jakes Rudoph
04:53 07 Apr 25
I had a First-Class experience with Seniors First thanks to Adam Oakley, my Broker: From the start of the process, he demonstrated knowledge and insight into my particular needs and throughout maintained an exceptional level of support and empathy. I have no hesitation in recommending Seniors First and in particular Adam Oakley for anyone considering a Reverse Mortgage.
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