Apply for a Reverse Mortgage

Get personalized quotes from New Zealand's leading reverse mortgage providers

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What's your age?

Reverse mortgages are available for New Zealand homeowners aged 60+.

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HomeEquityRelease.co.nz partners with trusted lenders such as SBS Bank and Heartland Bank. We are not a lender. See how we work.

How Our Application Process Works

Complete Quiz

Answer a few questions about your situation and preferences

Get Matched

We connect you with the best providers for your needs

Receive Quotes

Get personalized quotes and professional advice

Choose & Apply

Select the best option and proceed with your application

Frequently Asked Questions

Is this service free?

Yes, our comparison and matching service is completely free. You're under no obligation to proceed with any provider.

How long does the process take?

The quiz takes 2-3 minutes. You'll typically hear from a specialist within 24 hours, and the full application process usually takes 6-8 weeks.

What information do I need?

Just basic details about your age, property value, and preferences. No financial documents are needed for the initial matching.

Can I compare both providers?

Absolutely. We recommend comparing quotes from both SBS Bank and Heartland Bank to ensure you get the best deal.

Important Financial Warning: Reverse mortgages will reduce the value of your estate. Interest compounds annually and can significantly reduce your home's equity over time. You should obtain independent financial and legal advice before proceeding.

General Information Only: This website provides general information only and does not constitute financial advice. We are not licensed financial advisers. All providers must be registered Financial Service Providers with the FMA. We may receive referral fees from providers featured on this site.

Professional Advice Required: You must seek independent financial and legal advice before making decisions about reverse mortgages or home reversion schemes. Different terms and conditions apply to each provider.