Homesafe Wealth Release
Homesafe Wealth Release

An innovative equity release solution is giving older homeowners in Australia a way to access wealth without borrowing, downsizing, or leaving their homes.

Melbourne-based Homesafe Solutions Pty Ltd is addressing the growing financial challenges facing Australian retirees with its flagship product, Homesafe Wealth Release®. As the cost of living rises and superannuation balances fall short, many older Australians are finding themselves asset-rich but income-limited. For these homeowners, unlocking equity from the family home often comes with undesirable trade-offs—taking on debt, selling the property, or downsizing. Homesafe Wealth Release offers a different approach.

Developed specifically for homeowners aged 60 and over, Homesafe Wealth Release provides a tax-free, lump-sum payment today in exchange for a capped share of the future sale proceeds of the home. The agreement is not a loan, and therefore involves no interest, no monthly repayments, and no risk of accumulating debt. Clients retain full legal ownership of their property and can remain in their home for life, with complete protection from negative equity.

Since launching in 2005, Homesafe Solutions Pty Ltd has been guided by a clear mission: to provide ethical, transparent financial solutions that support the independence and dignity of Australian retirees. The company has earned a strong reputation for integrity and client protection, with a contractual model that clearly outlines all terms from the beginning, ensuring peace of mind for both homeowners and their families.

Managing Director Dianne Shepherd explains that Homesafe Wealth Release is designed to meet the needs of a growing demographic: older Australians who wish to remain in their homes while supplementing their retirement income.

"Many older Australians want access to the wealth in their homes, but they don't want to take on debt or lose control of their property. Homesafe Wealth Release® offers a responsible, secure way to achieve that."

Why Homesafe Wealth Release Is Different

Homesafe Wealth Release provides eligible Australian homeowners with the opportunity to access a tax-free lump sum while continuing to reside in their home for life. Unlike other equity release products on the market, the Homesafe agreement is not structured as a loan and therefore avoids interest charges, repayment obligations, and compounding debt. Throughout the life of the agreement, the homeowner remains the full legal owner of the property.

What makes the product especially distinct is the fixed nature of the agreement. At the outset, both parties agree on the percentage share of the future sale proceeds that will be paid to Homesafe, and that figure remains unchanged, regardless of how long the homeowner stays in the property. This fixed arrangement allows for long-term planning and full transparency. The structure also protects the homeowner and their estate from negative equity, ensuring that the amount owed to Homesafe will never exceed the value of the share it owns. This transparent, predictable model reflects Homesafe's commitment to ethical practice and client protection.

A Growing Need for Ethical Financial Alternatives

With Australia's ageing population expanding and the retirement funding gap widening, the demand for responsible financial alternatives is on the rise. Homesafe Wealth Release meets this demand by offering a solution that is tailored to older homeowners and aligned with their desire for security, flexibility, and autonomy.

Shepherd adds:

"The need for ethical and transparent retirement funding options has never been greater. We're proud to deliver a solution that puts the client's needs first and supports them in living the life they want in the home they love."

Client Experiences Reflect the Program's Value

Homesafe Wealth Release has positively impacted the lives of thousands of Australian retirees. Real client stories illustrate how the product has provided financial stability while preserving quality of life.

"Homesafe allowed us to stay in our treasured family home. There was no need to downsize, and we had the freedom to do what we wanted in retirement," said Rhona, a Homesafe client.

Hank added, "The process was simple and easy to understand. It gave me peace of mind and enabled us to get on with our lives."

These experiences highlight the real-world benefits of choosing Homesafe Wealth Release as a retirement funding solution.

About Homesafe Solutions Pty Ltd

Founded in 2005, Homesafe Solutions Pty Ltd is the creator of Homesafe Wealth Release®—Australia's original debt-free home equity release product. With a commitment to transparency, fairness, and ethical financial services, the company continues to serve the evolving needs of Australian homeowners in retirement.

For more information, visit www.homesafe.com.au.