Lifetime Home.A fresh approach to retirement income.

Access some of the value in your mortgage-free home without taking on debt or interest, with Lifetime Home.

Receive regular payments to help with day-to-day living, while you continue enjoying retirement in the home you love.

A fresh approachto retirement income.

Your NZ Super

+

Your mortgage‑free home

=

+ Lifetime
Home

NZ Super

The income you want for the retirement you deserve

With Lifetime Home, some of the value in your home can become regular fortnightly payments that supplement your NZ Super – so you can enjoy the income you want, for the retirement you deserve.

Lifetime Home Fundamentals

Minimum age

70+

Most clients start in their mid‑70s

Term

1–15 years

Up to 10 years, plus up to 5 more

Value sold each year

up to 3.5%

$35,000 on a $1m home

Value paid each year

2.5%

$22,700 after ongoing fees, on a $1m home

Value paid each fortnight on top of NZ Super

$873

on a $1m home

Clients stay in control. We commit to buying 3.5% a year for ten years, but the client can stop at any time with no penalties. Lifetime will never own more than 50% of the home.

Live in your home for as long as you choose – and it’s safe to do so.

Learn about Lifetime Home’s costs and fees →

In our customers’ words^*

Maureen*

“The fortnightly payments she receives from Lifetime are, literally, life-changing for her.”

— Dave* (son of a Lifetime Home customer)

View Maureen’s* story →

Paul*

“Lifetime Home made it so easy to live well […] I’ve even been able to develop and improve our family holiday home.”

— Paul*

View Paul’s* story →

Violet*

“What I liked was the certainty of knowing exactly how much will come out of my estate when I pop my clogs.”

— Violet*

View Violet’s* story →

*All names have been changed to protect privacy. Comments reflect personal experience and circumstances. Lifetime Home may not be suitable for everyone. View additional customer stories here: Customer stories