Unlock the Value in Your Home, Without Selling It

If you’re aged 60 or over, a reverse mortgage can help you access the equity in your home to supplement your retirement income, pay for expenses, or simply enjoy a more comfortable lifestyle. At Base Home Loans, we make reverse mortgages simple to understand and help you decide if it’s the right fit for your needs.

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A reverse mortgage may allow eligible older homeowners to access equity in their home without making regular repayments, depending on their circumstances and lender criteria. Base Home Loans can help you understand how reverse mortgages work, what the risks and costs may be, and whether this type of lending is suitable for your retirement, lifestyle or family goals.

What is a Reverse Mortgage?

A reverse mortgage allows you to borrow against the value of your home while continuing to live in it. Unlike a traditional home loan, you don’t need to make regular repayments — instead, the loan (plus interest) is repaid when you sell, move into aged care, or pass away.
For many retirees, it can be a practical way to access funds without needing to sell the family home.

Here to Guide You Through the Process

Making decisions about your home and finances later in life can feel overwhelming — but you don’t have to do it alone. Daniel, founder of Base Home Loans, has helped hundreds of Australians navigate important lending choices like reverse mortgages with care and clarity.

With years of experience across all areas of home finance, Daniel takes the time to listen, explain your options in plain language, and make sure you feel comfortable at every step. His approach is built on trust, transparency, and a genuine focus on your goals — whether that’s enjoying more freedom in retirement, supporting your family, or simply feeling secure in your home.

When you work with Daniel, you’ll get a mortgage broker who understands not just the numbers, but the people behind them.

contact daniel today

Daniel Niederberger best mortgage broker perth

Common questions

Most lenders start offering them from age 60. The older you are, the higher the percentage of your home’s value you can access.

No — repayments are usually only made when the property is sold, or you move permanently into aged care.

You retain ownership of your home and can live in it as long as you wish, provided you meet the loan conditions (like keeping up with rates and insurance). There are also Government protections around reverse mortgages to ensure you don’t enter negative equity territory.

It depends on your age, the value of your home, and the lender’s criteria. Typically, it ranges from 15% to 45% of the property’s value.

Australian regulations include a no negative equity guarantee, meaning you’ll never owe more than your home is worth when it’s sold. They will just have less equity in the home if and when you pass it on to them.

The reverse mortgage usually becomes repayable once you permanently move into aged care. Often this is done through the sale of the property.

Generally yes — whether it’s living expenses, travel, medical care, or helping family. Some lenders may have specific rules, but most allow flexible use.

Typically 4–6 weeks, depending on valuations and lender processing times.

Yes, but the loan balance (including interest) will reduce the equity in your home, which may mean a smaller inheritance. We can help you understand the impact.

It can. The amount you access from a reverse mortgage may be treated as an asset or income, which could impact entitlements. We recommend checking with Centrelink or a financial adviser.

Reasons why people choose a reverse mortgage

Supplement retirement income
Cover medical or aged care costs
Pay for home improvements or renovations
Consolidate debts for peace of mind
Help children or grandchildren financially
Enjoy more freedom in retirement (travel, lifestyle upgrades)

Elderly couple sitting together on a sofa, engaged in a warm conversation about finance and reverse mortgage inside a well-lit room.

how does a reverse mortgage work?

important things to know about a reverse mortgage

While a reverse mortgage may be a great option to explore it’s important to understand the details. Here’s some things to be aware of:

Are you eligible?

Typically reverse mortgages are available to homeowners aged 60 and over. The older you are, the more you can borrow.

Loan repayments

No regular repayments are required. Interest compounds over time and the loan is usually repaid when the home is sold.

Borrowing limits

Lenders usually let you borrow a percentage of your home’s value, based on your age and property type.

Impact on Inheritance

Since the loan balance increases over time, the equity you leave to your estate may be reduced.

Government Protections

Australian reverse mortgages are regulated. Most include a “no negative equity guarantee”, meaning you’ll never owe more than your home is worth.

Alternatives to consider

Other options may include downsizing, using superannuation differently, or accessing government support programs. We’ll help you weigh up what’s best for your situation.

ready to take the next step?

how can base home loans help?

Our job is to simplify the process for sure, ensuring you can make informed decisions for your financial future with ease.

explain the fine print

We break down how reverse mortgages work, in plain language.

compare lenders

Not all reverse mortgages are the same. We’ll show you your options.

work with your family

If you’d like, we can involve family members to make sure everyone understands.

guide you every step

From application through to settlement, we handle the process for you.

why choose base home loans?

Experienced in guiding clients through later-life lending decisions
Clear, empathetic explanations so you feel informed, not pressured
Focus on long-term planning, not just short-term cash flow
Access to multiple lenders with flexible reverse mortgage options

      
 
 
      Posted on Google  
   
   Tim Sneddon 
 24 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Daniel was incredibly helpful and knowledgeable when it came to helping us. He is very clear and direct, so you know exactly what you need to do and how to get there. The heaps of 5 star reviews is what led me to seek his services in the first place and I can attest through my own experience that they are well earned and deserved.
  
 
     Posted on Google  
   
   Michelle Sneddon 
 24 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Communication is amazing. Knowledgeable and honest.
We would highly recommend Daniel to anybody wishing to buy a home.
  
 
     Posted on Google  
   
   Catherine Moore 
 23 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Daniel responded quickly to my phone calls and emails. He kept me informed at all times and made the whole process easy. I have no hesitation in recommending Daniel to anyone looking for a reverse mortgage.
  
 
     Posted on Google  
   
   Dennis Ginbey 
 8 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. We had a fantastic experience working with Daniel and the team at Base Home Loans for our recent property purchase. They made the entire finance process smooth, stress-free, and incredibly straightforward. Highly recommend their services to anyone looking for a reliable broker!"
  
 
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   sneha priya 
 2 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Daniel and Leah, thank you for being so proactive, staying ahead of everything, constantly following up and making sure we never felt lost with the finance side of things. Your guidance and reassurance made such a big difference, especially when everything was new to us.
  
 
     Posted on Google  
   
   Zarif Mahmud 
 20 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. I am so grateful for Justine Ann Guzman's exceptional service. She went above and beyond to ensure all my questions were answered promptly and clearly. Working with someone so efficient and kind made a world of difference.
  
 
     Posted on Google  
   
   Omar Munerato 
 4 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. +0I highly recommend Daniel from Base Home Loans. This is the second time we’ve used his services, and once again he has been outstanding. The first time, Daniel helped us secure our home loan in Perth, and now he has guided us through buying our new home in Melbourne. Despite the different states and processes, everything was handled professionally and smoothly.

Daniel is knowledgeable, responsive, and always takes the time to explain everything clearly. He made the entire process stress-free, and we always felt that he had our best interests at heart. Thank you, Daniel, for your excellent service and ongoing support. We wouldn’t hesitate to use you again or recommend you to anyone looking for a reliable and trustworthy mortgage broker.
  
 
     Posted on Google  
   
   Cameron Valentine 
 21 July 2026
 
 
 Trustindex verifies that the original source of the review is Google. Daniels help was fantastic from start to finish. He made the whole mortgage process straightforward, kept me updated every step of the way, and was always quick to answer any questions. I'd highly recommend Daniel and the team at Base Home Loans to anyone looking for a reliable and supportive mortgage broker.
  
 
     Posted on Google  
   
   Mitchell Nye-Wood 
 21 July 2026
 
 
 Trustindex verifies that the original source of the review is Google. Great result and good communication with Daniel from Base Home loans over a year long journey where I was buying off the plan.
  
 
     Posted on Google  
   
   Damian Tully 
 22 June 2026
 
 
 Trustindex verifies that the original source of the review is Google. Great experience working with Daniel from Base Home Loans. He came highly recommended by our Real Estate Agent and definitely didn’t disappoint!

Daniel and his team were super responsive and easy to deal with the whole way through. What we really appreciated was the personal touch. It never felt like we were just another number, which you often get with the bigger providers.

Would happily recommend Daniel to others and would absolutely use him again. Thanks Daniel!
  
 
 
  
 
 
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Unlock the Value in Your Home, Without Selling It

how can we help?

What is a Reverse Mortgage?

Here to Guide You Through the Process

Common questions

Reasons why people choose a reverse mortgage

important things to know about a reverse mortgage

Are you eligible?

Loan repayments

Borrowing limits

Impact on Inheritance

Government Protections

Alternatives to consider

ready to take the next step?

how can base home loans help?

explain the fine print

compare lenders

work with your family

guide you every step

why choose base home loans?

read reverse mortgage articles

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