Household Capital
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Household Capital home loans

Household Capital has home loan rates starting from 9.2%.

Household Capital is a lender that specialises in retirement finance for older people. Check out the full table of Household Capital products below or read more about the lender.

Compare Household Capital loans for April 2024

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Name Interest Rate p.a. Comparison Rate p.a. Fees Monthly Payment
Principal & Interest50% min. depositOwner-occupier
Interest Rate
Comparison Rate
Application: $950
Ongoing: $0 p.a.
Monthly Payment
Principal & Interest50% min. depositOwner-occupier
Interest Rate
Comparison Rate
Application: $950
Ongoing: $0 p.a.
Monthly Payment
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Household Capital key facts

  • Household Capital does not offer ordinary mortgages or financial products for homebuyers. It serves the seniors' finance market with reverse mortgage products.
  • The company works with retirees to improve their retirement lifestyle by supplementing retirement income and providing access to capital.
  • Its office is located in East Melbourne, Victoria.

Review by our senior home loans writer Richard Whitten.

Household Capital loan features

Here are the key features and details you need to know about Household Capital's mortgage products.

Borrowing amountThe amount of home equity you can borrow depends on your age and the value of your home. Generally, the older you are the more you can borrow.
Borrower ageYou need to be at least 60 to get a reverse mortgage with Household Capital.
Repayment optionsYou can repay a Household Capital reverse mortgage when you or your estate sell your property. You also have the opportunity to repay the loan in instalments earlier than this.

How do I apply for a Household Capital mortgage?

If you'd like to get a reverse mortgage from Household Capital, please hit the green button above and leave your details. A specialist from the company will get in touch and discuss your options with you.


When applying for a reverse mortgage, you will need to own your own home and be at least 60 years of age.

Documents required

When you apply for a reverse mortgage with Household Capital, you are required to provide certain information so make sure you have all your documents ready before you apply. You will be expected to provide the following documents:

  • Identification documents. You will need identification such as a driver's licence, a passport or a birth certificate.
  • Property information. You will need information about the property you own. Household Capital may need to conduct a valuation on your property.
  • Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

More lenders to compare

Check out Finder's main home loans guide if you want to compare more home loans from a range of lenders. Or you could try one of the following lenders:

  • ING. This online bank is part of the global, Dutch-based financial group of the same name.
  • Commonwealth Bank. The nation's largest bank has a large selection of home loans and a convenient banking app.
  • UBank. This online bank is actually owned by NAB.
  • Athena. This digital fintech lender offers low-rate mortgages and an entirely online, convenient service.
  • Tic:Toc. This lender's online application tool can process your mortgage application fast. Backed by the Bendigo and Adelaide Bank.
  • Bank of Queensland. Outside of the Big Four this is one of Australia's larger banks. BOQ owns Virgin Money.
  • HSBC. The local Australian banking arm of this international bank offers various home loans.

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