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Equity Release (Capital Funding)

Unlock the value of your home without selling it

Whether you’re looking to renovate, consolidate debts, or fund major expenses, a home equity loan or refinancing can give you access to the funds you need—while you continue living in the place you love.

What is Equity Release Capital Funding?

Equity release capital funding is a financial solution that allows property owners—typically older homeowners—to tap into the value built up in their home without needing to move or sell. It offers access to much-needed capital through two main types of products:

  • Lifetime Mortgage: The most common type of equity release. Homeowners borrow against their home’s value, with interest added to the loan over time. Repayment usually happens through the sale of the property when the homeowner passes away or moves into long-term care.

  • Home Reversion: Homeowners sell all or a portion of their property to a lender in exchange for a lump sum or regular payments. They continue to live in the home rent-free for life or until they move out permanently, but only retain a portion of the home’s future value.

Gold Finance – Best Mortgage Broker in AustraliaEquity Release(Capital)

Why Consider Equity Release?

Equity release can be a practical way to access funds without disrupting your living situation. Whether it's for retirement support or major life expenses, equity release offers:

Access Funds Without Selling Your Home

Leverage the built-up equity in your property to access funds for travel, home upgrades, healthcare, or lifestyle enhancements—all without the need to relocate or downsize.

Continue Living in Your Home

You retain the right to live in your property for life or until you move into long-term care, offering emotional and financial stability while enjoying the benefits of your property’s worth.

No Regular Repayments

Many equity release plans do not require monthly repayments. The loan and any accumulated interest are usually repaid from the sale of the property after you pass away or move permanently.

Lump Sum or Flexible Drawdowns

Choose a product that fits your financial needs—receive the entire amount upfront or opt for smaller, regular payments to suit your lifestyle and spending habits.

Equity Release (Capital Funding)

Key Features of Equity Release Capital Funding

Securing equity release through Gold Finance involves a clear and guided step-by-step process designed to give you confidence and clarity. It begins with a comprehensive needs assessment, where you evaluate your financial goals and determine how much equity you’d like to access based on your property’s current value. From there, Gold Finance’s experienced advisors walk you through the range of available products, helping you choose the one that best fits your circumstances and eligibility. The next step involves compiling the required documentation, including identity proof, address verification, income details, and property records.

Once your paperwork is submitted, a professional valuation of your home is conducted to assess its market worth and confirm the eligible loan amount. Upon successful evaluation and approval, you’ll receive a formal loan offer outlining all terms, interest rates, and repayment conditions. Finally, after completing the necessary legal formalities, your funds are released through your preferred disbursement method—making the equity in your home work for you, without having to sell it

1

Choose between lifetime mortgages or home reversion plans based on your age, home value, and financial goals. Plans can be structured for lump-sum access, flexible withdrawals, or monthly income support.

2

Equity release loans allow you to remain in your home while still benefiting from its value. This protects your lifestyle, community ties, and sense of security.

3

Unlike traditional loans, equity release options typically don’t require monthly repayments. The loan is repaid from the eventual sale of the property

Frequently Asked Questions (FAQ)

  • Yes, when guided by professionals. Gold Finance ensures you understand the implications and recommends only trusted, regulated lenders.

  • With a lifetime mortgage, no. With a home reversion, you sell a portion, but you can still live in the property rent-free.

  • Yes. Many plans allow you to ring-fence a portion of your home’s value for your heirs.

  • Interest is typically compounded and repaid along with the loan upon the sale of your property.

  • Most equity release lenders require you to be at least 55 years old, with some products available only to those 60 or older.

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How Gold Finance Group Can Help You Secure a Home Loan

1

Financial Needs & Eligibility

Determine how much equity you need to release and for what purpose—whether it's for home improvements, debt consolidation, or lifestyle expenses.

2

Property Valuation

Gold Finance will assist in arranging a property valuation to estimate your home’s current market value. Based on this, we’ll guide you through the best-fit equity releas

3

Application & Documentation

Prepare and submit required documents like ID proof, address verification, income details, and existing mortgage information.

4

Approval, Legal Formalities & Fund Disbursement

Once approved, you'll receive a loan offer. After signing the agreement and completing legal checks, the funds will be released

10 years of working experience

Gold Finance – Best Mortgage Broker in AustraliaEquity Release(Capital)

Why Choose Us?

Our team specializes in helping homebuyers secure tailored loan solutions.

From initial consultation to settlement, we are with you every step.

We craft solutions that align with your financial goals.

Our streamlined processes and expert insights help you save time and money.

4.9
Based on 22 reviews
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Isaac Anyimaye-Agyeman
10:58 24 Apr 25
This is the first time I heard of this Gold Financial institution. The way things went through was so fast and straight forward.
Himmi Brar
09:10 24 Apr 25
Excellent work. Every product knowledge and know what client needs.Best team in process to give best outcome .Fast process of every steps.Highly recommended to everyone.Best service best rewards.
David Reid
23:42 10 Apr 25
The Gold Finance team were friendly, helpful and made the process less stressful. I highly recomend them to anyone looking for a broker.
Renante Ampatin
10:22 19 Mar 25
I highly recommend gold finance group for smooth and fastest approval process for my home loan. Thank you Josh & Ash for the help and your hard work.
hannah yeboah
10:08 19 Mar 25
From start to finish I felt that my needs and concerns were heard. Josh was very professional and understanding at the same time. I will definitely refer my family and friends to the company
tetsuya suzuki
07:12 25 Nov 24
Got me a great home loan and refinancing, will definitely return for next property
Ethan Blankanette
10:31 09 Nov 24
Gold Finance Group were unreal ! Ash and Josh were very assertive and supportive from the start. As a first time young investor/home buyer not only did they assist me through the whole process but they mentored me through it all too. Ash and Josh always took their time to discuss best options and never gave up to get the best loan rates. Always had frequent zoom calls with updates when face to face meetings wasn't possible due to busy work schedules, Professional advice, proactive planning and a brilliant attitude. I highly recommend them and look forward to using them again in the future !
Kim ho
05:24 24 Oct 24
Friendly and helpful. Quick response
Nicole Ross
01:50 11 Oct 24
I had a very positive experience with Gold Finance Group and would be happy to recommend them. Ash really went out of his way to help me and ensure that a suitable solution for my needs was reached.
Amna Khan
08:27 26 Sep 24
Ash provided exceptional service, securing me the best loan rate and continues to offer ongoing support to ensure I always get the best deal. Highly recommend!
Anuj
00:57 26 Sep 24
I had a fantastic experience with Gold Finance Group for my home loan. The team was incredibly professional and was clear from the start. Ash made the entire process smooth and hassle-free. I would highly recommend their services to anyone looking for reliable financial guidance. Plus, their customer service was excellent—quick responses and always willing to answer any questions.
Davis Osei
09:59 23 Sep 24
I am very much satisfied with Gold Finance Group. I highly recommend their services to anyone looking for home, investment or commercial loans. The managers take their time to listen, offer you lots of options and assist you in decision making. I’m extremely satisfied with the results and recommend them to anyone looking to secure their financial future
We had a great experience with Gold Finance Group. Josh provided exceptional customer service, stepping us through the entire process and was readily available to answer all our questions. Josh secured us a good mortgage rate with a reputable bank and made the process easy. From our initial loan enquiry, right through to settlement of our new property, Josh and his team were outstanding. I highly recommend their services. We would definitely use Mortgage Brokers Melbourne for future financial services 100/100.
Portia Opoku Boadi
23:36 22 Sep 24
Gold Finance Group has been instrumental in helping me move closer to my dream of owning a home. Their commitment to assisting everyday Australians achieve property ownership and financial freedom is clear in everything they do. The team is professional, patient, and always willing to go the extra mile to ensure that you understand the process and had the best options available. Thanks to them, I feel more confident about my financial future. I highly recommend their services to anyone looking for reliable financial guidance!