The debt-free way to release equity from your home. Sell a share while keeping your guaranteed right to live there for life - without any debt or interest charges.
✓ No debt or interest • ✓ Share in property growth • ✓ Stay in your home for life
Home reversion allows you to sell a percentage of your home (typically 15-50%) while retaining the guaranteed right to live there for life. Unlike reverse mortgages, there's no debt or compound interest - just shared ownership.
You sell equity, not borrow against it - no compound interest
You keep benefiting from the percentage you still own
Guaranteed right to live in your home for life
Professional valuation determines your home's current market value
Decide what percentage to sell based on your needs
Get lump sum payment - typically 60-80% of the share's value
Live in your home while sharing in future property value changes
| Factor | Home Reversion | Reverse Mortgage |
|---|---|---|
| Ownership | Sell percentage share | Retain full ownership |
| Debt/Interest | No debt, no interest charges | Debt grows with compound interest |
| Amount Available | 15-50% of home value | 20-60% of home value |
| Property Growth | Share in future growth | Keep all future growth |
| Monthly Payments | None required | None required |
| Right to Stay | Guaranteed for life | Guaranteed for life |
Margaret, 72, wants $150,000 but hates the idea of debt
$600,000
Sells 30% share through home reversion
Gets $150,000 cash, no debt, shares in 70% of future growth
No compound interest means predictable impact on inheritance
David, 68, believes Auckland property will keep rising
$900,000
Sells 25% share for $200,000
If home grows to $1.2M, his 75% share = $900,000
Still benefits from majority of property growth
Susan, 75, wants certainty for her children's inheritance
$750,000
Sells 20% share for $120,000
Children will inherit exactly 80% of future property value
No surprises from compound interest calculations
Visit HomeReversion.co.nz - New Zealand's specialist home reversion website. Get detailed information, calculators, and connect with providers.
Compare home reversion, reverse mortgages, and other equity release options side-by-side. Get the information you need to make the right choice for your situation.