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Queensland | Lydian Financial Services
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If you are a Queensland homeowner aged 60 or over, a reverse mortgage can free up the value tied in your home, without you having to sell or move. It is a big decision, and we walk through it with you properly.
A reverse mortgage allows homeowners aged 60 and over to borrow against the equity in their home while continuing to live there. The money can come to you as a single lump sum, an ongoing income stream, a line of credit, or a mix of these.
What makes it different to an ordinary loan is that you do not make regular repayments. Instead the interest is added to what you owe and compounds over the years, and the balance is repaid once you sell, move into aged care, or pass away.
Every reverse mortgage in Australia is required by law to include a No Negative Equity Guarantee. In plain terms, neither you nor your estate can ever be asked to repay more than your home sells for. The rest of your assets stay protected.
Because the balance grows over time and eats into your home equity, a reverse mortgage suits some retirees and not others. It can also affect your pension and your estate, so it should never be entered into without careful thought and independent advice.
This is a meaningful decision. Our job is to make sure it is an informed one.
Draw on the equity you have built up while staying in the home and community you know, on your terms.
No repayments are required while you live in the home, and the loan is only settled when you move on from it.
The No Negative Equity Guarantee means the most you can ever owe is the value of your home when it is sold.
More Queensland retirees are exploring how the equity in their home might support the retirement they want. Our brokers help homeowners across Brisbane, the Gold Coast and the Sunshine Coast think it through with a clear head.
We compare the specialist lenders active in this space, set out how each option would work for you, and make sure the long-term picture is fully understood before any decision is made.
We also encourage you to involve a financial adviser and your loved ones, and we are glad to sit in on that conversation. Let's work out whether it genuinely suits your circumstances.
Reverse mortgages are generally open to homeowners aged 60 and over, although the minimum age can differ between lenders. How much you can borrow tends to rise with age and depends on your property's value and where it is. We will check your eligibility as part of your free consultation.
Not while you are living in the home. There are no required repayments; the interest is simply added to the loan and compounds over time, with the balance settled when you sell, move into aged care, or pass away. If you would prefer to make voluntary repayments, you can.
No. Australian law requires every reverse mortgage to carry a No Negative Equity Guarantee, so the amount repayable can never exceed what your home sells for, no matter how much the balance has grown. Anything beyond that is not your responsibility or your estate's.
It might. Depending on how much you access and what you do with it, a reverse mortgage can affect your Age Pension or other benefits. That is why we suggest speaking with a financial adviser or Services Australia first, and we will help you frame the right questions before you commit.
You continue to own and live in your home. When the time comes that you sell, move into aged care, or pass away, the property is generally sold and the loan repaid from the proceeds, with whatever equity remains going to you or your estate. We always encourage families to be part of the conversation.
Serving clients across Australia.
Authorised Representative no. 525 778
Specialist Financial Group Australian Credit Licence no. 387025
Lydian Financial Services Queensland
Phone: 0413 609 349
Email: contactus@lydian.com.au
Copyright © LYDIAN FINANCIAL SERVICES PTY LTD 2026. All Right Reserved.