• We are nationally affiliated, specialist aged care and credit advisers.
  • We hold Australian credit licences that allow us to access specialist credit facilities from leading Australian lenders.
  • People entering aged care often do so reluctantly. The forced sale of their home can compound their feeling that they are no longer in control of their lives.
  • We only deal with major Australian lenders who provide equity release products.
  • When the home is retained by using equity release facilities, rental income can be used to help meet accommodation costs.
  • Equity release loans do NOT require any regular repayments. Interest is added to the loan balance and repaid as a single instalment, at the end of the loan.
  • We provide a full analysis of the costs associated with entry to aged care.
  • Under regulations, accommodation providers require a decision regarding the payment of care entry costs within twenty eight days.


  • We have many years experience dealing with older Australians and their credit requirements.
  • These special equity release can only be discussed and arranged by holders of an Australian credit licence.
  • By choosing NOT to sell the family home, this feeling of disenfranchisement can be reduced or eliminated. The care entrant feels that they have options regarding their future as their home has not been sold.
  • These banks are subject to Australian credit legislation that requires features including a “No Negative Equity Guarantee’ (Protective equity option).
  • The former home can be rented to assist with the cost of care
  • This reduces the strain on pension income for the care recipient, whilst still retaining the home as an asset of the future estate. The retention of the former home will limit the Means Tested Care Fee paid.
  • The entrant to care and their family¬†are fully aware of the potential costs involved and the long term effect of not selling the family home.
  • The arrangement of equity release loans can enable the family to make a definite decision regarding their choice of options.


  • We understand the extra requirements involved in working with seniors; care, compassion and patience.
  • The ability to deal first hand with the experts, not only in providing advice regarding aged care costs, but in arranging the required finance to avoid selling the family loan.
  • The care entrant is often in a more relaxed state of mind and thus better able to settle into their new environment. The issue of selling the home is often better received after the ‘settling in’ period.
  • This means that the care entrant can retain more of their pension income to meet day to day costs, perhaps including a few extra services.
  • Families can make their decisions with a full knowledge of all the considerations, including emotional effect on their loved one entering care AND the long term financial effects of those decisions.
  • The funds can be available within four to five weeks of applying. We arrange all the details. with the loan funds paid either direct to the aged care facility or the resident’s account.

Dad has struggled over the past few years without Mum. We really appreciate your help in finding Dad somewhere where there are other men in his situation. He really wanted to keep his home for my brother and his family, and funding his aged care was very important in his decision to move into care.
Mary J.