📢 Right now there is a special discounted interest rate when you refinance a home loan into a Reverse Mortgage --> LEARN MORE 📢

CONTACT US

WHY USE A MORTGAGE BROKER

Why choose a mortgage broker over a bank?

When it comes to choosing a home loan, some Australians go straight to their bank. But when you’re over 55 and seeking to release the equity in your home, a traditional bank loan usually isn’t an option – which is where we come in. At Impact Home Loans, we’re mortgage brokers who specialise in reverse mortgages. That means we work for you – not the banks – and we help you compare all the reverse mortgage lenders in Australia so you can find a great loan and is in your best interest.

Why choose us?

Reverse mortgage applications are complex and time-consuming so we do the hard work for you; we manage the paperwork, handle the communication and ensure everything’s in order so your application can succeed.
  • We know the lender rules: Every lender has different eligibility criteria. We know them inside out and will match you with the one that fits your circumstances.
  • We don’t charge any fees: Our service is free. There’s no brokerage or loan processing fees – nothing upfront to get started.
  • We’re local and experienced: With over 24 years’ experience and more than 50 five-star Google Reviews, we’re known for honest advice and fast responses.

Because we specialise in reverse mortgages, we understand the fine print, the policy quirks and the pitfalls that can trip up applicants. As such, we don’t just lodge your application – we position it for success by identifying the right lender and making sure all the boxes are ticked before submission.

We also know how to spot potential problems early – like property eligibility issues, postcode restrictions or valuation risks – so you don’t waste time on a deal that’s unlikely to be approved. And if a lender asks for more information, we move quickly to keep the process on track.

Importantly, you’ll deal directly with a broker who knows your file – not a call centre or automated system. We’re responsive, available and always on your side.

Other ways we can help you

While the majority of our work is now reverse mortgages, we still assist with standard loans for first home buyers, refinancers, investors and self-employed borrowers. But our specialty – and our passion – is helping older Australians unlock their home equity and take control of their retirement.

We’re not just mortgage brokers; we’re problem solvers, hand-holders and trusted guides. And we are here to help you live comfortably, confidently and independently.