Reverse Mortgage Loan Growth Estimator

Illustrates how a reverse mortgage balance compounds over time against projected property value, and the equity that would remain.

Not a "no repayment" product. A reverse mortgage does not require regular repayments, but the loan — plus all accumulated interest and fees — must eventually be repaid in full. This usually happens when the borrower sells the home, moves into aged care, or passes away.
Borrower & loan details
Age 70 · $900,000 home · $150,000 drawn
Used to estimate the indicative maximum draw
yrs old
$
$
% p.a.
% p.a.
Amount drawn down now$0
Interest rate0% p.a.
Property growth assumption0% p.a.
Indicative max draw at this age$0
Est. property value in 10 years$0
Est. remaining equity in 10 years$0
Projected balance over time
YearLoan balanceProperty valueRemaining equity
No negative equity guarantee. Reverse mortgages regulated under the National Credit Act must include a guarantee that the borrower (or their estate) will never owe more than the home's net sale proceeds, even if the loan balance exceeds the property's value. This estimator does not cap the projected loan balance at the property value — in practice, the guarantee would apply from that point.
Understand How Your Reverse Mortgage Grows?
See how your reverse mortgage balance, remaining equity, and compound interest may change over time. Our specialist advisers can explain your options, help protect your estate, and ensure you make an informed decision.
📈 Compound interest shown 📅 20-year projection 🛡️ No-equity guarantee
Important information: This is a general illustration only, not personalised advice. Actual interest rates, fees, maximum loan-to-value ratios and product features vary by lender and change over time. Reverse mortgages are a complex, long-term product with significant impact on the estate and any pension entitlements — clients should be referred to a specialist adviser and encouraged to involve family in the decision before proceeding.