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A reverse mortgage can be a powerful way for older homeowners to unlock the value of their home without needing to sell. At Optimise Finance, we support clients across Auckland and the Hibiscus Coast who want to improve their retirement lifestyle while remaining in the comfort of their own home.
Available to homeowners typically aged 60 and over, reverse mortgages allow you to access tax-free funds using the equity in your home. These funds can be used to supplement retirement income, pay for home improvements, cover medical expenses, or simply make life more enjoyable. Importantly, you retain full ownership of your home and are not required to make repayments until you move out or sell.
We help you understand how much you can borrow, how interest is charged, and what impact it may have on your estate or eligibility for government support. We also work closely with family members and legal advisers to ensure the decision is well-informed and in your best interest.
As with all lending, there are pros and cons—so getting the right advice is crucial. That’s where our local knowledge and experience comes in.
How We Can Help
Optimise Finance provides clear, empathetic advice for seniors considering a reverse mortgage. We’ll compare options from different providers, explain the key terms in plain English, and guide you through the application process from start to finish.
Next Steps
Considering a reverse mortgage? Let’s have a confidential, no-pressure chat. Contact Optimise Finance today for a free consultation and discover how we can help you make the most of your home’s value in retirement.
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