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Senior financial services

What are the financial options for seniors.

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Aside from reverse mortgages, Seniors First can also provide you and your family with much needed seniors financial advice.

If you are retired or approaching retirement, you may think that along with the end of full-time work all the big financial decisions are behind you.

However, nothing could be further from the truth. Some of the biggest financial challenges a person is ever likely to face now occur in the final 30 to 40 years of life:

Planning finances for a comfortable retirement
How to pay out your mortgage before you retire
Managing your superannuation effectively
Estate planning
Entry to aged care and funding aged care costs

In many of these circumstances, there is a strong need for good financial advice. To assist our customers, Seniors First can refer you to financial advisers upon request.

Control Your Financial Future with a Reverse Mortgage

By unlocking home equity, a reverse mortgage can help finance the cost of retirement and offer more options for pensioners, such as staying at home.

Many seniors wish to stay and receive aged care at home to spend their retirement with their loved ones.

So, the prospect of selling the home and moving into an aged care facility is typically the last resort for many. This is one of the top reasons why reverse mortgages are growing in popularity (albeit not enough to reach market standards).

Aged Care Financial Advice

Perhaps the financial challenge that looms largest for seniors is aged care.

With the implementation of the Living Longer, Living Better reform on July 1, 2014, aged care facilities must enforce tighter means testing on aged care and accommodation costs.

The importance of getting good information and considering all the options weighs more heavily than ever before. You and your family simply cannot afford to make uninformed decisions.

Effective financial planning for aged care includes practical and helpful advice on how you can pay aged care entry fees and accommodation fees such as:

Refundable Accommodation Deposit (RAD)
Daily Accommodation Payment (DAP),
Means-tested care fee

An experienced aged care financial planner may assist you with advice and strategies that:

Improve your cash flow
Minimise aged care costs
Help fund your aged care fees

Seniors First work with a a small network of financial advisers around who specialise in aged care financial advice in NSW, QLD, VIC, WA and SA.

What Our Clients Say...

Mike “Magyarmeister.” R.

20 hours 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.

2 days ago

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

victor D.

3 days ago

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

Stephen B.

4 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.

6 days 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.

1 week 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.

2 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.

2 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.

3 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.

3 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

Sue H.

1 month 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

How Seniors First Reverse Mortgage Can Help

Senior First can help you to find out how much equity you have in your home, and how you might be able to use it for your needs.

If you want to learn about reverse mortgages in detail, you can download our guide, Reverse Mortgage Secrets.

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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.