Our Services
Reverse mortgages – our core service
Impact Home Loans is one of Australia’s most experienced reverse mortgage brokerages. With over two decades of experience, we help clients aged 55+ to stay in their homes, maintain their lifestyles and secure a better financial future – without selling the family home.
We specialise in navigating the complexities of reverse mortgage lending, which is now one of the most tightly regulated loan types in the country. From understanding the rules to preparing a compelling application, we guide you every step of the way.
We’ll explain how much you could borrow, what your obligations are and how different lenders compare. We’ll also highlight the key protections available, including negative equity protection, to ensure you can’t end up owing more than your home is worth.
We do all this without charging you a cent. Our service is completely free of brokerage or loan processing fees.
If you’re thinking about a reverse mortgage, talk to us early. We’ll help you assess your options – before the financial pressure builds.
Debt Reconciliation Loans
Life doesn’t always go to plan. A job loss, relationship breakdown or unexpected health issue can make it difficult to keep up with loan repayments. While it might seem like a good idea to take out another credit card or personal loan, that can make things worse in the long run.
This is where a debt consolidation loan can help. It rolls your existing debts into one manageable loan – often with a lower interest rate – so you can simplify your finances and reduce stress.
Investing in Property
Property investment is one of the most effective ways to build long-term wealth. As the value of the property increases, so does your financial return – and you can also leverage your investment to grow your portfolio over time.
There are several ways to invest in property. We can help you explore the right option for your goals and risk profile.
Refinancing
Refinancing your home loan can give you a clearer view of your finances – and potentially save you tens of thousands of dollars over the life of your loan. By switching to a lower rate or more flexible loan, you could reduce your repayments, free up cash and even pay off your loan sooner.
It’s not just about saving money; it’s about making sure your home loan works for your current situation.
Purchase
HOW IMPORTANT IS PRE-APPROVAL?
Before you’ve found a home you love, get a pre-approval. It’s a crucial step that shows sellers you’re serious while giving you clarity on your borrowing power.
Pre-approval confirms that you’re likely to qualify for a loan and outlines the maximum amount you can borrow. This gives you an edge over other buyers who haven’t yet spoken to a lender.
To secure a pre-approval, here’s what the process looks like:
1. TALK TO US AT IMPACT HOME LOANS
As mortgage specialists, we connect you with lenders that suit your financial position. We’ll help you choose the right fit and structure your application to maximise your borrowing power.
2. COMPLETE YOUR APPLICATION
We guide you through the paperwork, liaise with the lender and ensure you’ve included all the required documents – boosting your chances of a fast and smooth approval.
3. WAIT FOR YOUR CONFIRMATION
Once your pre-approval is confirmed, you’ll know exactly how much you can borrow – and you can start home-hunting with confidence.
Personal Loans & Car Finance
Personal loans can be a flexible way to cover upcoming expenses or make an important purchase. Whether you’re paying for unexpected bills, upgrading your car or planning a big event, a personal loan gives you the freedom to use the funds your way.
There are different types of loans available – some with fixed repayments, others with lower interest rates. Each option has its own benefits and eligibility requirements.
At Impact Home Loans, we’ll connect you with lenders in our network who can help borrowers with your scenario – and we’ll guide you through the process to give you the strongest chance of approval.