Paul Dwyer has helped thousands of senior Australians release the equity in their homes — to fund retirement, home renovations, healthcare or aged care — with patient, transparent advice. You speak to an expert, not a call centre.
Years specialising in reverse mortgages
Senior Australians advised
Lenders compared
Call-centre staff (you always speak to Paul)
A reverse mortgage lets Australian homeowners aged 60 and over access some of the equity in their home — without selling and without monthly repayments. You keep living in your home, you keep your name on the title, and the loan is repaid when the home is eventually sold.
Watch: Paul explains a reverse mortgage in 2 minutes
Paul listens to your situation — your goals, your home, your family — at his office, your home, or over Zoom.
We look at your pension, estate, aged-care plans, and family wishes — not just the loan.
Interest rates, fees and loan features compared across multiple lenders, structured to fit your needs.
Funds as a lump sum, regular instalments, line of credit, or any combination. You stay in your home.
Whether you're starting fresh, switching from another reverse mortgage, or accessing equity for a specific purpose — we'll structure the right loan for your situation.
Access the equity in your home without selling, without monthly repayments. Suited to homeowners aged 60+ who want to stay in their home and fund retirement, renovations or care.
Best for:
Already have a reverse mortgage with another lender? We can review whether your existing rate, structure and features still suit your situation, and refinance to a better-fit lender.
Best for:
A flexible drawdown facility for specific needs — funds available when you need them, structured around your goals. Sub-options: home repairs, vehicle or travel, gifting to family.
Best for:
“Paul arranged the loan in days. Barry got into care, we kept both homes, and we could finally breathe.”
Barry & Annette, aged-care planning
$450k accommodation funded · family home retained
“Paul found $3,500 a year in pension we were missing. We didn't even need the loan in the end.”
M & G, Hartwell
+$3,500/year pension · no loan required
“He spent three hours with us. Reverse mortgage, will, power of attorney, home-care package — all sorted.”
G & A, referred by friends
Loan structured · estate plan complete · care package secured
“Paul found us a better rate and added a line of credit. We sleep easier now.”
J & P, Frankston South
Lower rate · added line of credit · ongoing flexibility
Paul Dwyer — Reverse Mortgage Adviser
Carnegie, Victoria
Paul Dwyer has spent more than 20 years specialising in one thing: helping older Australians make confident decisions about the equity in their family home.
Based in Carnegie, Victoria, Paul has assisted thousands of senior Australians and self-funded retirees with reverse mortgages, aged-care loans, refinances and equity release. Bank staff and other mortgage brokers regularly refer their own clients to Paul — because reverse mortgages need a specialist, not a generalist.
Paul takes a holistic view. Conversations cover the loan, yes, but also the pension, estate planning, future care needs and the family conversation. Decisions about your home are decisions about the rest of your life — and Paul treats them that way.
If you can't find your question here, call Paul on 03 9563 3442 — he'll happily walk through it on the phone.
A no-obligation conversation with Paul. In person, by phone, or over Zoom.
Tell us a little about your situation. Paul will respond personally within one business day — usually the same day.
Phone
03 9563 3442 (Mon–Fri, 9am–5pm AEST)
paul@reversemortgagesvictoria.com.au
Office
Carnegie, Victoria 3163 (home visits across metropolitan Melbourne)
Appointments
In person, phone, or Zoom
