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Benefits of an Equity Unlock Loan for Seniors

Supplement your income

Access equity in your home

Borrow up to 40% of your property value to a maximum of $425,000, depending on your age without limiting your lifestyle or selling your home.

Complete flexibility

Complete flexibility

Choose to access your funds in one lump sum or periodically and make repayments when it suits your needs. Interest, fees and charges will accumulate until the loan is repaid.

No regular repayments

No negative equity guarantee

You or your estate won’t be out of pocket if your house is sold for less than your loan amount.

Interest rates and fees*

Residential Equity Rate

Interest rate6.52% PA

Comparison Rate6.59% PA

  • $950 upfront establishment fee

Estimate how changes to interest rates and property values could affect your debt and the equity in your home over time.

ASIC's MoneySmart reverse mortgage calculator

Make an appointment with a Home Lending Specialist.


Already a customer banking online with us?

Save time by using your NetBank details.

Make appointment in NetBank

New customer or don't bank online with us?

Make an appointment online


Speak to a Home Lending Specialist on 13 22 24.

Why choose CommBank?

Expert lending support

Expert lending support

Make confident decisions, with specialists who partner with you at every step.

All your banking in one place

All your banking in one place

Simplify your finances by bringing your own insurance and other banking together in NetBank.

24/7 support

24 hour support

Our Australian based service team is there to help, 24 hours a day, 365 days a year.

Home Loan Calculators

Enter your income and expenses to get an estimate of how much you may be able to borrow for a home loan.

Use calculator

Estimate what your future repayments would be based on how much you want to borrow and the term.

Use calculator

Estimate the total cost of buying a property, including government costs, stamp duty and other costs.

Use calculator

Important information

Applications for finance are subject to the Bank’s normal credit approval. Full terms and conditions are included in the Loan Offer. Other fees and charges are payable. 

*Interest, fees and charges will accumulate until the loan is repaid.