Lifetime Home.Turn your home’s equity into regular payments.
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.
Lifetime Home Fundamentals
Minimum age
70+
If a couple, the youngest must be 70+
Term
1–10 years
Up to 10 years, plus 5‑year optional extension
Value sold each year
up to 3.5%
each year on a 10‑year agreement
Value paid each year
2.5%
$22,700 after ongoing fees, 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 35% of your home on a 10‑year agreement.
Live in your home for as long as you choose – and it’s safe to do so.
Agreement: With Lifetime Home, homeowners agree to sell a portion of their home’s equity at a discount in exchange for regular fortnightly payments over 10 years.
No mortgage
Award news
Lifetime Home wins MoneyHub Editor’s Choice Award
It was all smiles when the Lifetime Retirement Income team was presented with the 2026 MoneyHub Editor’s Choice Award “Favourite Home Equity Release” for Lifetime Home.
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Lifetime Home – in their words*
*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