Get more from your money with up to 4.85% p.a. interest

with a National Seniors Term Deposit account

Home reversion products


Home reversion products allow you to sell a share of your home's future sale proceeds, in return for a lump sum now.

Home reversion products allow you to access some of your home equity, without creating a debt.

These products are a part-sale property contract, rather than a loan. You agree to sell a share of the future sale proceeds of your home, and in return, you receive a lump sum now.

Benefits of home reversion products


  • As it is not a loan, there is no interest and no increasing debt.
  • The provider receives the agreed percentage of the sale proceeds from your home, when you eventually sell it.
  • You continue to own your portion of the future sale proceeds of your home.
  • You can remain in your home, or you can rent it out, subject to your agreement with the provider.
  • If you rent your home out, you receive all of the rental income.

Things to consider


With home reversion products:

  • they may only be available in major cities or specific postcodes
  • set up costs and fees apply.

You should see professional advice to understand the potential impact on your home equity future sale proceeds as well as any impact on any Centrelink entitlements such as the Age Pension.

You will need to obtain legal advice before signing the part-sale contract.

Helpful resources


Fractional property products

Similar to a home reversion product, but based on the current value of your home.

Reverse mortgages

A type of loan to borrow money using equity in your home.

Pension Loans Scheme

A way to supplemented your age pension funded by the Federal Government.

Member benefits and discounts


Shell eGift Card

Shell eGift Card

Save 3% off when you purchase online. Redeemable at participating Shell branded service stations.

National Seniors Savings Hub

National Seniors Savings Hub

Discover exclusive savings on essential home services including electricity, gas, broadband and maintenance.

How to have an epic retirement

How to have an epic retirement

Purchase your copy of 'How to Have an Epic Retirement' and save 23%.

National Seniors Travel

National Seniors Travel

Discounts on cruises, tours and hotels through National Seniors Travel.

National Seniors Travel Insurance

National Seniors Travel Insurance

National Seniors members receive 10% discount on National Seniors travel insurance^

Bunnings eGift Card

Bunnings eGift Card

Save 2% off when you purchase online.

We've got your back

With National Seniors, your voice is valued. Discover how we campaign for change on your behalf.

Learn more