As property values continue to rise across Australia, more seniors are looking at reverse mortgages as a way to access the wealth tied up in their homes. These specialised loans allow homeowners aged 60 and over to borrow against their property's value without making regular repayments, making them an attractive option for funding retirement.

Choosing the right reverse mortgage broker can make all the difference in securing favourable terms and understanding the long-term implications of your decision. Here's our guide to Australia's leading reverse mortgage specialists who can help you navigate this important financial choice.

Understanding Reverse Mortgages in 2026

A reverse mortgage lets you borrow money using your home as security, with the loan typically repaid when you sell your home, move into aged care, or pass away. Unlike traditional home loans, you don't make monthly repayments - instead, interest is added to the loan balance over time.

In 2026, reverse mortgage products have become more flexible and consumer-friendly, with better protections for borrowers and their families. However, these products remain complex, making expert guidance essential.

Why Use a Reverse Mortgage Broker

Reverse mortgage brokers specialise in this niche area of lending and can:

• Compare products from multiple lenders to find the best rates
• Explain complex terms in plain English
• Help you understand the long-term impact on your estate
• Assist with application paperwork and processes
• Provide ongoing support throughout the loan term

Most importantly, a good broker will help you determine whether a reverse mortgage is right for your situation or if alternative options might better meet your needs.

Leading Reverse Mortgage Specialists

Rob McFadden - Hypotheque

With an impressive 33 years in the finance industry, Rob McFadden brings extensive experience to reverse mortgage consulting. Based in Sydney and operating through Hypotheque, Rob founded his boutique broking service in 2013 with a focus on delivering premium customer experiences.

What sets Rob apart is his 24/7 availability - recognising that financial stress doesn't follow business hours. His clients consistently praise his ability to go above and beyond, with one long-term client noting they've worked with Rob for over 20 years. Rob's multilingual capabilities (English and French) and access to 25 lenders ensure comprehensive options for diverse client needs.

Angela Cornell - Cornell Finance

Operating from the Gold Coast, Angela Cornell has been helping Australians with complex lending situations since 2002. Her extensive experience with SMSF lending and investment properties gives her unique insight into how reverse mortgages can fit into broader wealth and estate planning strategies.

Angela's clients frequently mention her ability to explain complex processes clearly and her tenacity in securing the best possible outcomes. With access to 45 lenders, she has the market knowledge to find competitive reverse mortgage products that suit individual circumstances. Her direct, honest communication style helps clients make informed decisions about their financial future.

Craig Peatey - PFS Home Loans

Based in Brisbane's northern suburbs, Craig Peatey brings over 27 years of financial industry experience, including 20 years with a major lender. This background gives him deep insight into how lenders assess reverse mortgage applications and what factors influence approval decisions.

Craig's comprehensive service extends beyond just arranging loans - he also provides access to insurance options and financial planning services, helping clients take a holistic approach to their retirement funding. His long-term client relationships, with some spanning over 20 years, demonstrate his commitment to ongoing support and advice.

Fiona Lynn - Equity Release Finance

As a dedicated reverse mortgage specialist, Fiona Lynn focuses exclusively on helping seniors access their home equity. Based on Sydney's North Shore, she combines 30 years of IT and banking experience with specialised knowledge of retirement funding options.

Fiona's approach is notably thorough and informative, ensuring clients fully understand their options before proceeding. Her friendly, reliable service style helps put nervous borrowers at ease during what can be an emotionally challenging decision-making process.

Brokers Serving Multiple Specialties

Several experienced brokers include reverse mortgages among their specialties while maintaining expertise across broader lending categories:

Andrew Rennie from Impact Home Loans in Melbourne brings a well-rounded approach, helping clients understand how reverse mortgages compare to refinancing or other equity release options.

Catherine McLoughlin at RateOne combines her real estate background with mortgage broking expertise, providing valuable property market insights that inform reverse mortgage decisions.

Emma Huaki from Diversifi operates nationally from Queensland, offering 40 years of financial experience to clients across Australia. Her emphasis on making finance "simple, personal, and stress-free" resonates particularly well with seniors navigating reverse mortgage options.

Regional and Specialised Services

For those seeking specialised expertise, David Johnson from Johnson Executive Finance in Sydney focuses specifically on clients with multiple properties and reverse mortgage needs, while Jaime Neyra Morales at Scarborough Finance offers bilingual services (English and Spanish) backed by 25 years of industry experience.

Leigh Mclauchlan from Pacific Home Loans & Finance in Brisbane provides comprehensive reverse mortgage services as part of a full-service lending practice, with access to approximately 40 lenders.

What to Look for in a Reverse Mortgage Broker

When choosing a reverse mortgage broker, consider:

• Specific experience with reverse mortgages, not just general lending
• Access to multiple lenders to ensure competitive options
• Clear communication style that helps you understand complex terms
• Professional qualifications and industry memberships
• Client reviews that demonstrate successful outcomes
• Ongoing support throughout the loan term

Questions to Ask Your Broker

Before proceeding with any reverse mortgage application, ask your broker:

• How will this loan affect my pension entitlements?
• What are the total costs, including interest and fees?
• How will the loan balance grow over time?
• What happens if I want to move to aged care?
• Are there alternatives that might better suit my needs?
• How will this impact my family's inheritance?

Making the Right Choice

Reverse mortgages can provide valuable financial flexibility for Australian seniors, but they're not suitable for everyone. The right broker will take time to understand your complete financial picture, explain all options clearly, and never pressure you into a decision.

Whether you're looking to supplement your retirement income, fund home modifications, or simply have access to emergency funds, working with an experienced reverse mortgage broker ensures you'll make an informed decision that aligns with your long-term financial goals.

Take time to speak with multiple brokers, ask detailed questions about their experience and approach, and choose someone you feel comfortable working with throughout what may be a long-term financial relationship.