We compare lenders to find the right reverse mortgage solution for your needs, with honest, personal advice from one of Australia's most experienced specialists. Paul Dwyer has specialised in reverse mortgages since 2002, and he comes to you, meeting face-to-face in your own home and putting your best interests first.
Years specialising in reverse mortgages
Senior Australians guided
Lenders compared for you
Pressure or obligation
Eligible homeowners aged 55 and over can access some of the equity in their home, without selling or moving out. You stay in the home you love, with greater flexibility to live on your own terms.
Watch: Paul explains a reverse mortgage in 2 minutes
No call centre and no one-size-fits-all approach. Paul comes to you, meeting face-to-face in your own home to find the right path forward, or to tell you honestly if a reverse mortgage isn't it.
Access the equity in your home as a lump sum, regular income stream, line of credit, or any combination. The amount depends on your age and property value.
Best for:
If you're retired and still managing a home loan, refinancing into a reverse mortgage can relieve that burden, removing regular repayments and freeing up your cash flow.
Best for:
Set up a line of credit and draw funds only as you need them, so money is on hand for whenever life calls for it.
Best for:
“I no longer wake up in the middle of the night, worrying how I can pay the bills on the kitchen table.”
Edna
Peace of mind · bills managed · home retained
“Your aged care loan now allows Mum to keep her home, and my sister and myself will be able to keep it in the family.”
Denise and Helen
Mum keeps her home · family estate preserved
“Many thanks for guiding us through the application process. With the reverse mortgage now in place, we have a clear plan going forward.”
Bruno and Martina
Application completed · clear plan in place · future secured
“Your guidance in planning our future was invaluable, especially around Centrelink.”
Michael and Sue
Pension optimised · Centrelink clarity · future planned
“Your information about the four costs of aged care has allayed Mary's concerns about being able to pay for care.”
Steve and Mary
Aged care costs understood · care plan secured · worries eased
A clear, unhurried process from first conversation to settlement, and well beyond.
STEP 1
A relaxed, face-to-face meeting at your home. No pressure, no jargon, just an honest conversation about what you're hoping to achieve.
STEP 2
We look beyond the loan, considering your age pension, future care needs and long-term goals, to make sure any solution is genuinely right for you.
STEP 3
As an independent broker, we search across all available reverse mortgage products to find the option that best fits your circumstances.
STEP 4
We manage the paperwork and liaise with your chosen lender, and we're available whenever you need us after settlement, should your circumstances change.
Timelines are indicative. The full process typically takes 4 to 6 weeks.
A quick, no-obligation estimate based on your age and property value, so you can explore your options before committing to a conversation. It's a starting point, not a final answer. Paul is always happy to walk you through the full picture in person.
If applying as a couple, enter the age of the younger borrower.
LVR applied: 25% (based on age 70)
Projected loan balance over time
Indicative variable rate of 8.95% p.a. compounding monthly. No further drawdowns or repayments.
Your home equity retained at year 15: $40,465
This is an indicative estimate only, not financial advice or a loan offer. Actual borrowing capacity depends on lender policy, property valuation and your individual circumstances.
Paul Dwyer, Reverse Mortgage Adviser
Carnegie, Victoria
Paul Dwyer has been helping Australians navigate reverse mortgages since 2002. Unlike lenders and brokers who work from a call centre, Paul comes to you, meeting face-to-face in your own home across Greater Melbourne. He takes the time to understand not just your financial position, but your broader retirement goals, your lifestyle, your family and your future care needs. It's this personal, in-home approach that sets Reverse Mortgages Victoria apart from those who focus solely on the transaction.
A practical, plain English guide to reverse mortgages in Australia.
