What is Connective Reverse?

Connective Reverse is a flexible loan designed to help Australians aged 60+ access the wealth in their home to support their lifestyle, family, or care needs, without needing to sell or make regular repayments.

Whether you're planning ahead or navigating an unexpected change, Connective Reverse allows you to access funds, while staying in the home you love.

How does it work?

Access your home equity
Eligible borrowers aged 60+ can borrow against the value of their home without needing to sell.
Use the funds your way
The funds can support a variety of needs, from refinancing, helping family, home upgrades, to aged care or boosting cash flow.
No required repayments
There are no regular repayments while you continue to live in your home, interest is added to the loan over time.
Loan is repaid later
The loan is repaid when the property is sold, the borrower moves into aged care, or passes away.

So if you are...

Paying off a mortgage in retirement and want to free up cash flow, Connective Reverse can help you refinance and remove the stress of regular repayments.
Looking to support your children or grandchildren with a financial gift, such as a home deposit or school fees, you can do so using your home equity, without impacting your savings.
Thinking of rightsizing or relocating for lifestyle or comfort, this loan can help you purchase a more suitable home, or unlock funds to make it work better for you.
Planning or funding aged care needs, whether it’s in-home support, home modifications, or moving into residential care, Connective Reverse helps you stay safe and comfortable.

Then a Connective Reverse loan might be for you!

Real-life home loan wins: Stories of success

“Using my home equity gave me the freedom to support my grandkids and plan for the future.” – Richard, 77

Richard, a retired accountant, realised that his retirement savings wouldn’t last forever. He wanted to help pay for his grandchildren’s education a legacy he believed in deeply but also needed to plan for his and his wife's future needs.

Instead of selling the home they loved, Richard used Connective Reverse to unlock equity and access the funds he needed. Now, he can support his family and enjoy retirement without financial stress,  a decision he says has “taken the anxiety out of life”.

Learn more

“Now I can enjoy life without worrying about repayments.” – Michael, 82

When Michael lost his wife, he was faced with financial uncertainty. As a self-funded retiree, his income had already taken a hit during the pandemic, and with the family home still in his wife’s name - and a mortgage to repay - his bank offered little flexibility.

Through Connective Reverse, Michael was able to transfer the home into his name, pay out the existing mortgage, and set up a regular income stream. With no more loan repayments and access to extra funds for home repairs or enjoyment, Michael says it’s “a great relief” to now spend on what his wife used to call “fun and excitement.”

Learn more

“Mum can stay in the home she loves and we can give her the care she deserves.” – Vicky, on behalf of her mum Silkie

Silkie had always been fiercely independent, but as her eyesight deteriorated, her confidence and mobility declined. After a serious accident, she required 24-hour care and an unexpected cost of over $400,000 that went far beyond what the government could cover.

With her remaining savings only lasting 12 months, Vicky and her husband sought advice. Through Connective Reverse, they were able to unlock the equity in Silkie’s home and create a care plan that allowed her to remain in familiar surroundings with the support she needs.

Now, Silkie continues to live safely at home and her family has peace of mind knowing they can fund the care she deserves without financial stress.

Learn more

Disclaimer: The Information shared in these testimonials are general in nature and does not take into account your particular investment objectives or financial situation. It does not constitute, and should not be relied on as, financial, investment or tax advice or recommendations (expressed or implied) and is not an invitation to take up securities or other financial products or services. No decision should be made on the basis of the information without first seeking expert financial or taxation advice. Your full financial needs and requirements would need to be assessed prior to any offer or acceptance of a loan product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

Contact us today to find out more