Home / Home Loans for Pensioners

Home Loans for Pensioners

Home Loans for Pensioners: what it costs, how it works, and who it is not for. Every figure carries the source it came from and the date it was read.

Can pensioners get a home loan?

Home Loans for Pensioners is set by each lender's own credit policy, and the policies differ more than the marketing does. Money Brain has not yet published a lender-by-lender position on this, so this page explains the mechanism and names nothing it cannot source. What is here was read at source and dated.

How current is this page?

Every figure on this page carries the source it came from and the date it was read. Where a lender-by-lender position has not been read at source, the page says so rather than repeating something from memory. Lender policy changes quietly and often.

What decides your answer

Can pensioners get a home loan?

Can pensioners get a home loan is decided by the lender's own policy rather than by a general rule, and Money Brain has not published a position it has not read. What is certain is the mechanism: the answer turns on your own numbers and on which lender is asked, which is what a short call settles.

What lenders are actually assessing

What lenders are actually assessing is decided by the lender's own policy rather than by a general rule, and Money Brain has not published a position it has not read. What is certain is the mechanism: the answer turns on your own numbers and on which lender is asked, which is what a short call settles.

What an acceptable exit strategy looks like

What an acceptable exit strategy looks like is decided by the lender's own policy rather than by a general rule, and Money Brain has not published a position it has not read. What is certain is the mechanism: the answer turns on your own numbers and on which lender is asked, which is what a short call settles.

What decides your answer

Which pensions count, and at what rate

Which pensions count, and at what rate is decided by the lender's own policy rather than by a general rule, and Money Brain has not published a position it has not read. What is certain is the mechanism: the answer turns on your own numbers and on which lender is asked, which is what a short call settles.

Superannuation drawdowns as income

Superannuation drawdowns as income is decided by the lender's own policy rather than by a general rule, and Money Brain has not published a position it has not read. What is certain is the mechanism: the answer turns on your own numbers and on which lender is asked, which is what a short call settles.

Part-time work alongside a pension

Part-time work alongside a pension is decided by the lender's own policy rather than by a general rule, and Money Brain has not published a position it has not read. What is certain is the mechanism: the answer turns on your own numbers and on which lender is asked, which is what a short call settles.

What decides your answer

Rental and investment income in retirement

Rental and investment income in retirement is decided by the lender's own policy rather than by a general rule, and Money Brain has not published a position it has not read. What is certain is the mechanism: the answer turns on your own numbers and on which lender is asked, which is what a short call settles.

Which lenders lend past 65, 70 and 75

Which lenders lend past 65, 70 and 75 is decided by the lender's own policy rather than by a general rule, and Money Brain has not published a position it has not read. What is certain is the mechanism: the answer turns on your own numbers and on which lender is asked, which is what a short call settles.

Maximum loan terms by age

Maximum loan terms by age is decided by the lender's own policy rather than by a general rule, and Money Brain has not published a position it has not read. What is certain is the mechanism: the answer turns on your own numbers and on which lender is asked, which is what a short call settles.

What decides your answer

Downsizing instead of borrowing

Downsizing instead of borrowing is decided by the lender's own policy rather than by a general rule, and Money Brain has not published a position it has not read. What is certain is the mechanism: the answer turns on your own numbers and on which lender is asked, which is what a short call settles.

Reverse mortgages, honestly

Reverse mortgages, honestly is decided by the lender's own policy rather than by a general rule, and Money Brain has not published a position it has not read. What is certain is the mechanism: the answer turns on your own numbers and on which lender is asked, which is what a short call settles.

The Home Equity Access Scheme

The Home Equity Access Scheme is decided by the lender's own policy rather than by a general rule, and Money Brain has not published a position it has not read. What is certain is the mechanism: the answer turns on your own numbers and on which lender is asked, which is what a short call settles.

What actually happens

1

Your position checked against policy

2

Borrowing power on real numbers

3

A lender chosen for the structure

4

Pre-approval, then the search

5

See the recommendation, then decide

6

Valuation, then formal approval

7

Documents signed, then settlement

Questions

Reverse mortgages, honestly depends on the lender's own policy and on your numbers. Money Brain does not publish a lender position it has not read at source, so the honest answer here is the mechanism rather than a name — and the call gives you the name.

Sources and check dates

Every claim on this page carries the document it came from and the date Money Brain read it. Where no document has been read, the page says so rather than stating a position.

Who wrote this page

Darren Parker, Credit Representative 501592, authorised under Australian Credit Licence 389328. Every figure here was read at source and dated. If a lender's position has changed since the date shown, tell him and it is corrected.

See where you stand before you decide anything

Book a call

Updated 13 September 2026