Prepared for you ·

Your home is worth $0. Here are seven ways to use it.

Unlock compares every common way to free up money from your home, side by side: what you get now and over time, what happens to your Age Pension, what it costs, and what it leaves for your family.

  1. Tell us about youYour home, savings and what you need.
  2. See the optionsSeven ways, on one page.
  3. Try "what ifs"Move the sliders and watch it change.
  4. Talk it throughWith your adviser and family.
On your figures Most cash available now $0 from
You asked for$0
Age Pension now$0
Options that keep you at home0
Biggest estate after 10 years$0

About you

Change anything and every page updates straight away. Figures are today's values; leave the Age Pension blank and we'll work it out.

Household
Who is this for?
yrs
yrs
Your home
$
$
yrs
Matters for the downsizer contribution (10 years or more).
Other assets
$
$
$
$
$
At garage-sale value, as Centrelink counts it.
Income
$
For example a defined benefit pension or part-time work.
$
What you need
In what form?
$
For example a car, renovations, travel or helping family.
$
On top of what you live on now, rising with inflation.
Your plans
Is aged care likely?
How important is leaving an estate?

Seven ways to use your home

Each card shows the first year, and the estate if the home is sold after the years you choose on the next page.

Which option wins?

It depends what matters most to you. Here is the leader for each goal, with the runner-up.

Try some "what ifs"

Move a slider and every figure and chart redraws. Growth, rates and returns are assumptions, not predictions.

Home equity remaining

What the home would leave after selling costs and any loan or investor's share

Age Pension, first year

A fortnight, both of you

Estate at age

Each option in detail

Open an option to see the figures, how it works and the risks in plain language.

If aged care is needed

Your questions, answered with your figures

Rates, limits and assumptions

Official figures were checked on . Figures marked Illustrative are assumptions for comparison only, not quotes or official rates.

Your figures used

Adviser settings Hidden in meeting view

These change the assumptions behind every page.

Selling and buying
%
$
$
$
$
Loans and equity release Illustrative
$
%
Boarder or room
$
%
%
Their room plus half of shared areas (ATO floor area method).
Other assumptions
%
$
Blank: what you receive now, so the baseline breaks even.
$
In today's dollars. Illustrative

Engine checks on this page

Re-run live against published thresholds and worked examples.

    Before client use

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