Unlock up to $50,000 a year and stay living in your home
Turn your home equity into monthly, debt-free cash payments
Get up to $50,000 p.a.
Receive regular monthly cash payments
Stay living in your home
Complements Age Pension
No debt or tax
How does it work?
You receive regular monthly payments. With each payment, Unlocked Equity receives a small percentage of equity which is agreed upfront. You set the maximum percentage of equity you want to release. When you sell, Unlocked Equity receives its share of the proceeds.
How It Works
Regular Tax-Free Payments
Receive regular monthly payments from your home equity — yours to spend however you choose.
Your Home
Regular Income
100% transparent: All payments are outlined upfront.
Fair & Transparent
Equity Releases Gradually
Your equity is released over the years as you receive payments — never all at once. The graph shows your cumulative equity share released (maximum 55% of your total property equity).
Gradual Release: Your equity releases over time with each payment.
Protection Built In
Your Equity is Capped
You choose the maximum percentage of equity you wish to release. It can never be more than 55%.
0%
Maximum Cap
You're in control: You decide how much equity to release and when.
Complete Flexibility
Sell Anytime, Only Release What's Accrued
You can sell your property at any time. No lock-in periods, no exit fees, no penalties — complete peace of mind.
3 Years
12%
Released
7 Years
21%
Released
15 Years
30%
Released
True flexibility: No hidden clauses. You're always in control.
Why do Australian retirees choose Unlocked Equity?
Enjoy Life:
Stay living in your home and have more money to spend on the things that matter to you.
Tax and Debt Free:
No interest rates, no tax bills, no repayments.
Ownership:
You remain the sole legal owner of your home.
Flexibility:
Leave whenever you want without any exit fees or penalties.
Control:
You choose how much to unlock and cap the maximum percentage that can ever be released.
Age Pension Friendly:
Designed to complement your Age Pension entitlements.
The Retirement Success Story
Discover how Tom & Sandy transformed their retirement
Tom & Sandy
Home owners
Customer Profile
Home Value
Equity Percentage
Term (Years)
Equity Cap Protection
By setting a 35% equity cap, Tom and Sandy have certainty over what percentage of their home they will retain.
The Results
Annual Payment
$31,250
$2,604/month
Total Payments Amount
$437,500
Debt Created
$0
The Unlocked Solution
Tom and Sandy receive $31,250 in exchange for an agreed percentage each year. They cap the maximum equity share at 35%.
Tom and Sandy can choose when they leave and the equity they release reduces proportionately—giving them complete flexibility and control over their future.
Trusted by Aussie
Retirees
See what people say about their Unlocked Equity experience
How much can I unlock?
"Unlocking regular cash flow will make all the difference between a stressful retirement and one where my husband and I could enjoy life and spoil our grandkids. A big thanks to Delphine from Unlocked Equity for answering all our questions and being so friendly."
Preena
Sydney NSW
"My favourite thing about Unlocked is being in total control over what percentage of equity I choose to release. This made it much more attractive to me than a reverse mortgage."
Dallas
Sydney NSW
Frequently
asked questions
Learn more about Unlocked Equity with our interactive FAQ page here.
How much can I unlock?Or call us: 1800 671 100
More questions?
Head to the FAQ page here.
Unlocked Equity is an Australian company specialising in helping Australians through retirement. We help you unlock the value in your home to live better, longer.
Unlocked Equity is led by a team of industry experts with decades of experience in financial services. It is an Australian-owned and registered company and operates in compliance with the Corporations Act 2001.
Download our helpful guide.
Discover the secrets to maximising your retirement income with our comprehensive guide on income options and home equity releases. Download it for free today and gain valuable insights on how to live better and longer in retirement.
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