Reverse Mortgages (Home Equity Loans)

Q: What are the benefits of a reverse mortgage?

Benefits include access to tax-free funds to cover living expenses, medical costs, or home improvements. It also allows you to stay in your home while enjoying financial flexibility in retirement. A financial advisor can help you determine how a reverse mortgage can enhance your retirement strategy.

Q: Are there any risks or considerations with a reverse mortgage?

Potential risks include accruing interest on the loan, which can reduce the equity in your home over time. It's also important to consider how it might affect your estate and heirs. Consulting with a financial advisor can help you weigh the pros and cons and make an informed decision.

Unlock the value of your home with a reverse mortgage and enjoy financial freedom in retirement. At RSFA, we offer expert advice to help you understand and navigate the benefits of reverse mortgages.

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You may look at your equity in your home like this:

If you are 60 and above and have equity in your home, you may qualify for a Home Equity Loan (also known as ‘Reverse Mortgages’). Getting you finance through a main bank is always the priority, if it is viable.

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Refixing or Restructuring

Reverse Mortgages

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With over 20 years of industry experience, Rod and his team provide expert guidance and top-notch service to help you achieve your financial goals. Reach out to our team today.

+64 9 950 8800

rod@rsfa.co.nz

Understand your finances with our financial analysis tools

RSFA Financial Advisers leverage Planolitix to provide clients with comprehensive financial planning and advanced data analysis, ensuring tailored solutions for optimal financial outcomes.

By utilising this sophisticated tool, RSFA Financial Advisers enhance decision-making processes and maximise investment strategies for their clients.

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Useful Calculators for Reverse Mortgages

Our website offers a variety of easy-to-use financial calculators designed to help you make informed decisions.

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Budget Planner Calculator

Create a detailed budget to manage your income and expenses efficiently.

Expense Calculator

Track and categorise your expenses to understand where your money goes.

Repayment Calculator

Estimate monthly loan repayments based on the loan amount, interest rate, & term.

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Frequently Asked Questions

What is a reverse mortgage, and how does it work?

A reverse mortgage allows homeowners aged 60 and above to convert part of their home equity into cash without selling their home. The loan is repaid when the homeowner sells the property, moves out permanently, or passes away.

What are the benefits of a reverse mortgage?

Are there any risks or considerations with a reverse mortgage?

Contact our award-winning team and experience the difference

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     EXCELLENT  
     Based on 105 reviews 
    
 
 
   
 
 
        
   justin Engels 
 14 May 2024
 
 
 Trustindex verifies that the original source of the review is Google. Excellent service from a company that always had our best interests at heart. Without them we woukd not have been able to have our first home.
  
 
       
   Ma Pamela Therese Gaddi 
 26 April 2024
 
 
 Trustindex verifies that the original source of the review is Google. I would to thank Anne Zablan-Balila for helping us secure our first home! You are very hands on, knowledgeable and always willing to help and you have so much patience in answering all of our concerns! You guided us and you were present every step of the way! I highly recommend Anne Zablan-Balila of Rob Schubert Financial Advice to be your mortage adviser and I am sure you can secure your first home too. I will definitely seek your expertise if given another chance to secure a property in New Zealand! I am one of many satisfied and happy client! Thank you so much Anne!
  
 
       
   Amy Po-Ching 
 26 April 2024
 
 
 Trustindex verifies that the original source of the review is Google. I have worked with Rod as my adviser for many years now and he always takes the time to understand my needs to ensure he can deliver on what is required. I have found him to be thorough, diligent, honest, hard working and always striving to do the best he can by me. He is personable, professional, and I highly recommend him.
  
 
       
   giancarlo maturan 
 21 April 2024
 
 
 Trustindex verifies that the original source of the review is Google. I would like to give thanks to Anne Balila from RSFA for helping us get our first home.  I admit it wasn't easy but Anne was always there to assist us and made the journey smooth and less complicated. I will definitely recommend her and RSFA to my friends who are also thinking of getting their new homes.
  
 
       
   Corrinne Pillay 
 16 April 2024
 
 
 Trustindex verifies that the original source of the review is Google. We’ve been clients of RFSA for a few years now. Our experience with Rod and the team has been awesome and the service we receive from Rod has been second to none.
His persistence and diligence to get the best rate for his customers has been a standout for us.
Rod has immense patience with Clients and treats out portfolio as if it was his own, with attention to detail and going to task to ensure we always get what’s best for us. The collaborative way in which this team works ensures that our best interest are always at the forefront.
  
 
       
   Dave Stokes 
 16 April 2024
 
 
 Trustindex verifies that the original source of the review is Google. Rod and his team were able to work the magic for us that the others weren't. His professionalism and willingness to go the extra mile has been greatly appreciated. I highly recommend Rod to anyone looking for expert mortgage advice.
  
 
       
   Georgia Ross 
 15 April 2024
 
 
 Trustindex verifies that the original source of the review is Google. Great service! Efficient and reliable. Can’t thank you guys enough!
  
 
       
   Michael Davies 
 10 April 2024
 
 
 Trustindex verifies that the original source of the review is Google. Rod and the team at SFA have been fantastic to deal with throughout our process. They achieved a higher result than we had been led to believe would be possible and made the whole process easy even when there were hurdles placed in the path. We highly commend Rod for his professionalism, patience, and diligence and have no hesitation in recommending Rod, and the team at SFA, to assist with your financial goals.
  
 
       
   Matt Crawford 
 20 February 2024
 
 
 Trustindex verifies that the original source of the review is Google. Would highly recommend Rod and his team, they are great to work with. Was first introduced to Rod a decade ago and have continued to benefit from his knowledge and experience over the years. He works hard to get results and pushes to get everything lined up even when the banks are dragging their heels.
  
 
       
   John Funnell 
 5 December 2023
 
 
 Trustindex verifies that the original source of the review is Google. Rod and his team where brilliant to deal with and where all over every detail of the process.
Cheers, John & Paul!

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