Discover your options for accessing the wealth in your home. Compare home reversion and reverse mortgage solutions with our independent guide.
No Debt Option
Sell a share of your home to access cash while staying put. No monthly payments, no interest charges, and you keep living in your home.
Loan-Based Option
Borrow against your home's value without monthly repayments. Interest compounds over time and is repaid when you sell or pass away.
Unlock the wealth in your home to fund your retirement dreams, without the stress of moving house or taking on monthly repayments.
Live in your family home for life with guaranteed tenancy rights
Get lump sums up to $500,000+ to fund retirement lifestyle
FMA regulated products with strong consumer protections
Unlike personal loans, no ongoing repayments required
Understanding the New Zealand equity release market
Simple steps to access your home equity
Check your eligibility and get initial quotes in minutes
Review home reversion vs reverse mortgage with expert guidance
Get independent legal advice as required by NZ law
Receive your equity as lump sum or regular payments
Consider your age, financial needs, family circumstances, and long-term goals when choosing between equity release options.
Use our calculator to estimate how much you could release with each option and compare the long-term implications.
Speak with qualified financial advisers who can provide personalized recommendations based on your specific circumstances.
This depends on your age, home value, and chosen option. Generally, you can access 15-60% of your home's value, with higher percentages available as you get older.
You typically need to be 60+ years old, own your home outright or have a small mortgage, and live in New Zealand. Specific requirements vary by provider.
Yes, with both options you have the right to stay in your home for life. This is legally protected and cannot be taken away.
Both options will reduce the inheritance you leave behind, but the impact differs significantly between home reversion and reverse mortgages.