Senior's home loans

In addition to loans for pensioners such as Reverse Mortgages, Seniors First can also help older borrowers who are still working with home loan finance.

FREE guide from Seniors First. Downloaded by thousands of Australians since its introduction in 2008.

With access to dozens of lenders and hundreds of home loan products and options, we find solutions for your specific needs and get home loans for senior borrowers in Australia approved quickly. We happily share our knowledge of the Australian mortgage market with valuable information to help you get started, and will guide you through the entire process from start to finish.

Home Loans For Over 55's

Since the introduction of the National Consumer Credit Protection (NCCP) regulation in 2010, for people over 55 years, it is often more difficult to obtain a home loan mortgage for refinance or purchase.

For these senior borrowers, mortgage finance can be a complex financial maze that is tricky to navigate - but there is help available. Depending on your situation, there may be some banks and lenders that are better than the others. Although every transaction has its own unique challenges, Seniors First has a lot of experience in obtaining mortgage approval for older borrowers seeking to refinance, release home equity, or to purchase a new property.

Benefits of working with Seniors First for your home loan:

We understand the needs of older borrowers
Good success with loan approval for senior’s home loans
We instantly connect you with a wide range of banks and lenders
Highly skilled professionals with years of lending experience

For those borrowers who are under fifty five years of age seeking a home loan or investment loan, contact online mortgage broker Express Mortgage Market.

What Our Clients Say...

Robert K.

20:12 08 May 26

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.

07:30 08 May 26

Thank you Seema

Bruce C.

02:00 08 May 26

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.

06:23 06 May 26

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

Karen J.

04:58 06 May 26

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.

Lesley W.

10:09 08 Mar 26

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.

22:22 07 Mar 26

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.

22:45 24 Feb 26

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.

Bobby Y.

08:57 16 Feb 26

I found the consultant from Senior first Richard Chapman, was extremely helpful and also very knowledgeable regarding reverse mortgages. He was always available to assist with any of out questions and or concerns. We found this process very smooth and seamless. My wife and I had many questions during this process, which were always handled with patience and understanding. I would recommend Senior First for anyone thinking about a reverse mortgage they make it easy.
Thanks guys.
Bobby Yarbrough

Ray and Carolyn D.

00:35 09 Dec 25

We were/are clients of Palka Kumar. We were impressed with her friendly nature and boundless knowledge of the industry. We had a number of Tele-conferences with her as she guided us through the process and let us know from the outset that she was with us the whole way through to conclusion. Palka was always available to answer any questions and kept us informed as the process went through the various stages. We have nothing but praise and appreciation for Palkas commitment to her clients. She always made us feel assured and relaxed about a sometimes daunting process. Outstanding.

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.

Get In Touch

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.