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A brief reverse mortgage tutorial

by Darren Moffatt on November 17, 2011

I recently did a television interview on the subject of reverse mortgage finance for seniors with Yahoo 7. You can find it here.
It’s a quick, handy insight into how reverse mortgages work, and the “do’s and don’ts” of these loans.
If you have any further queries, you can email me directly info@reversemortgagewatch.com.au or call Seniors First [...]

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Locked out older borrowers getting really angry

by Darren Moffatt on November 2, 2011

I was recently interviewed for the article below & am keen to hear from any people this may have affected. Post your comments below or email directly at info@seniorsfirst.com.au
Regards,
Darren
Vast changes to the reverse mortgage market in tandem with the recent NCCP introduction is leaving a large pool of older borrowers without acces to funds.
Seniors First [...]

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Govt lauds reverse mortgage industry body

by Darren Moffatt on October 6, 2011

The assistant treasurer, Bill Shorten, recently tabled new ’second phase’ National Consumer Credit Protection (NCCP) legislation to parliament. For reverse mortgages, the Bill includes:

A no-negative-equity guarantee for reverse mortgages, so seniors can’t end up owing more to the lender than their home is worth
Other protections and disclosure requirements to ensure consumers can use reverse mortgages [...]

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New aged care reverse mortgage lender?

by Darren Moffatt on August 25, 2011

We hear along the industry grape vine that a new reverse mortgage lender, specialising in aged care and accommodation bonds, will emerge shortly.
This is great news for Australians seeking to fund aged care without selling the family home, as reverse mortgage and equity release options for this are currently extremely limited.
More news as it comes to hand [...]

SEQUAL approach a winner for reverse mortgage reforms

by Darren Moffatt 10 August 2011

The recently announced reforms to reverse mortgages (as part of phase two of the NCCP) are to be applauded.
By mandating that lenders provide a ‘No Negative Equity Guarantee’, all seniors can now feel comfortable that reverse mortgages are safe.  And by also ensuring that intermediaries such as brokers provide better disclosure of the possible financial consequences of [...]

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Government announces reverse mortgage reform

by Darren Moffatt 8 August 2011

What follows is the media statement released yesterday by Assistant Treasurer, Bill Shorten. Good news for senior Australians, but I will comment on this in more detail shortly in a separate post. Regards, Darren
Older Australians planning to take out a ‘reverse mortgage’ on their home will be better protected against negative equity and other pitfalls as part [...]

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Reverse mortgage advice

by Darren Moffatt 3 August 2011

When establishing a reverse mortgage loan through a reputable lender or broker such as Seniors First, it will quickly become apparent that other advisers also have an important role to play. Although your SEQUAL accredited broker will manage the application process for you, depending on your circumstances and choice of lender, you will also need to consult with one or more [...]

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Reverse mortgage market hits $3 billion

by Darren Moffatt 30 May 2011

Reverse mortgages continue to grow in popularity with Australian seniors, according to a new report.
The Deloitte report, commissioned by SEQUAL, shows that as of 31 December 2010 the Australian reverse mortgage market was comprised of more than 41,000 loans with total outstanding funding of $3bn. The total represents 11% growth in the market from 31 [...]

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NSW seniors shun downsizing for reverse mortgages?

by Darren Moffatt 19 April 2011

As reported in the SMH, just 249 retirees have taken up the stamp duty-saving initiative of the former state government aimed at encouraging seniors to downsize into new homes. The empty nesters’ zero stamp duty scheme was unveiled in the last state budget to boost NSW home construction.
Treasury forecast between 1000 and 2000 seniors would take [...]

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SEQUAL calls for government to support equity release

by Darren Moffatt 4 April 2011

A call for the asset rich to use equity release to fund their aged care needs is being debated at a series of public hearings conducted by the Productivity Commission.
Responding to the “Caring for Older Australians” draft report, the peak equity release body (SEQUAL) argues that whilst older Australians should be encouraged to access the [...]

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