Your Home Could Fund Your Retirement

Access the wealth in your home to improve your retirement funding. Live with comfort and confidence in retirement.

About Household Capital

Household Capital is a specialist retirement funding provider that provides responsible long-term access to home equity to meet the needs of an ageing population.

We work with you to improve your retirement lifestyle: by enhancing retirement income, providing access to capital and improving retirement housing. Our approach aims to provide you with the best of both worlds – to continue living in your family home with the confidence to enjoy the retirement lifestyle you deserve.

How does Household Capital help retirees?

If you’re aged 60+, our Household Loan allows you to access a portion of your home equity. Importantly, it provides you with flexibility and choice when it comes to making decisions about your retirement, now and in the future.

To learn more about using your home equity, click here to download our free e-guide.


It's As Easy As 1, 2, 3!


Use our online calculator to see your accessible Household Capital.


Experience one-on-one personalised service with a retirement specialist.


Use our online calculator to see your accessible Household Capital.

Why We're Different

Consistently low rate

Lowest available rate so you can access more of your home equity.

Flexibility and choice

Adjust as you go with flexible drawdown options.

Personalised service

Our award winning retirement specialists help you every step of the way.

Specialist provider

Our focus is on retirement funding, so we understand your needs.

We’ve got you covered

No regular repayments required

Improve your retirement cashflow without the pressure of regular repayments.

Remain the owner of your home

You keep maintain 100% ownership and benefit from any increase in property value.

Tax free funds

OYour home equity equates to your savings, tax free.

Your home, your wealth

Housing and funding for life. Live Well At Home™

Applications for credit are subject to eligibility and lending criteria. Fees and charges are payable, and terms and conditions apply (available upon request). Household Capital Pty Limited is a credit representative (512757) of Mortgage Direct Pty Limited ACN 075 721 434, Australian Credit Licence 391876.

Start Now!

It doesn’t take long to apply. Then you will be able to stop the “what if’ thinking.