#financialindependence

Our client splits his time between Australia and Bali, spending several months each year overseas. Over time, he decided he wanted something more permanent — a villa in Bali that he could enjoy as a holiday home.

He considered selling his South Australian home to fund the purchase. But with the property increasing steadily in value, selling didn’t feel like the right move. He wanted to keep his Australian base, maintain exposure to the local property market, and still access the funds needed for the overseas purchase.

What he needed was liquidity — without giving up ownership.

Our client came to us in the middle of a long and difficult health journey. Her cancer diagnosis was terminal, and while she still had some good time ahead of her, she didn’t want to waste it worrying about money.

She had modest annual income from a family trust and no dependents to leave assets to. Her financial goals were simple: she wanted to enjoy the time she had left, travel a little, and have enough cash flow to cover ongoing medical costs and live comfortably.

Many retirees are told that selling the family home is the only way to free up cash in retirement. But what if downsizing actually costs more than it saves — financially and emotionally?

This eye-opening article from The Senior reveals the hidden impacts of downsizing that many older Australians don’t expect.

The good news? Downsizing isn’t your only option.

Welcome back to our series, 101 Uses for a Reverse Mortgage, where we highlight the unexpected, practical ways Australians are using reverse mortgages to create security, freedom, and financial independence in retirement.

Each week, we bust the myths surrounding these loans by sharing real case studies* — no hype, no jargon, just real people solving real challenges with the right guidance and advice.

Case Study 5: Finalising an Estate Without Selling the Family Property. After her husband passed away, our client was left with the responsibility of finalising the estate. Probate was underway, but completing the process required access to funds – and fast.

Welcome back to our series, 101 Uses for a Reverse Mortgage, where we highlight the unexpected, practical ways Australians are using reverse mortgages to create security, freedom, and financial independence in retirement.

Each week, we bust the myths surrounding these loans by sharing real case studies* — no hype, no jargon, just real people solving real challenges with the right guidance and advice.

Case Study 4: Cleaning Up a Financial Mess—So She Could Stay in Her Home. Our client’s situation was complex — the kind of financial tangle that most people would find impossible to resolve on their own.

Welcome back to our series, 101 Uses for a Reverse Mortgage, where we highlight the unexpected, practical ways Australians are using reverse mortgages to create security, freedom, and financial independence in retirement.

Each week, we bust the myths surrounding these loans by sharing real case studies* — no hype, no jargon, just real people solving real challenges with the right guidance and advice.

Case Study 3: She Nearly Lost Her Home—But We Settled the Loan Just 45 Minutes Before Foreclosure. After the death of her husband several years ago, our client fell behind on her mortgage repayments. With no family support nearby and only her Centrelink pension to live on, her financial situation worsened — and the bank began legal proceedings to repossess her home.

Welcome back to our series, 101 Uses for a Reverse Mortgage, where we highlight the unexpected, practical ways Australians are using reverse mortgages to create security, freedom, and financial independence in retirement.

Each week, we bust the myths surrounding these loans by sharing real case studies* — no hype, no jargon, just real people solving real challenges with the right guidance and advice.

Case Study 2: Regaining Financial Independence Without Leaving Home. Years ago, our client’s Sydney home was placed in joint names with her daughter and son-in-law due to a business arrangement. But over time, the personal and financial dynamics changed — and she no longer wanted to be financially tied to them.