REVERSE MORTGAGES, Rockingham & Jurien Bay, Western Australia

Get a Solicitor Certificate and access the value in your home without selling it.

Independent legal advice for Australians aged 55 and over considering a reverse mortgage.

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An elderly man and woman sitting together at a table, engaged in conversation, with a laptop, calculator, and papers in front of them.

What is a reverse mortgage?

A reverse mortgage is a type of loan available to homeowners aged 55 and over that lets you borrow money using your home as security without making regular repayments.

Instead of paying the bank each month, the loan is repaid later, usually when the house is sold, you move into care, or you pass away. The bank takes its share from the sale proceeds first, and whatever remains goes to you or your beneficiaries.

It can be a practical way to access money in retirement, but the banks require a Solicitor Certificate to be be approved.

Michelle will work with you to understand what you’re agreeing to before you sign anything, and if you go ahead, will provide you with a Solicitor Certificate.

Book a Consultation

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Who it's for

Reverse mortgages are typically used by homeowners aged 55 and over who want to access some of their home's value without selling.

A laptop on a desk showcasing a graph on its screen with a male worker analyzing financial data.

Common reasons include:

Funding home improvements or medical care
Covering day-to-day living costs
Supporting family members financially
Simply enjoying a more comfortable retirement

ONE LAWYER, START TO FINISH

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ONE WHO ACTUALLY PICKS UP THE PHONE

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SALTWATER LEGAL

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PLAIN ENGLISH

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PROPER LAW

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ONE LAWYER, START TO FINISH • ONE WHO ACTUALLY PICKS UP THE PHONE • SALTWATER LEGAL • PLAIN ENGLISH • PROPER LAW •

(What you need to understand first)

A reverse mortgage can be

the right decision but only if you go in with a clear picture of the risks:

The loan grows over time

Interest is added to the loan balance, not paid monthly. Over time this can add up significantly.

It affects what you leave behind

The more you borrow, the less remains for your family when the property is eventually sold.

Your obligations continue

You're still responsible for paying rates, insurance, and maintaining the property throughout the life of the loan.

Moving out triggers repayment

If you move into aged care or sell the property, the loan becomes repayable at that point.

Getting independent legal advice before signing is not just recommended, for most lenders, it's required.

Book a Free Consultation

Michelle's role

Woman in a blue shirt writing in a notebook with a pen, coffee on the table.

Michelle reviews the bank's documents before your consultation so she can walk you through exactly what they mean. At your appointment she'll explain the terms in plain English, talk through your goals, assess whether this loan suits your situation, and make sure you understand every obligation before you make a decision.

You leave the consultation with a clear, honest picture, not a sales pitch.

How Michelle helps

(01)

Send Michelle the bank documents at least three days before your appointment
(02)

Attend your consultation, by video or in person
(03)

Michelle explains the documents, the risks, and your options
(04)

You make an informed decision, on your terms