You know your home is increasing in value.
Wouldn’t it be great if you could enjoy that money today?
Stellar Retirement allows you to turn the increasing value of your home into a reliable and steady income.
An Income for Life.
Set and forget
With Stellar Retirement, you’ll receive a reliable income, every month, for the rest of your life. Income for Life.
Rest assured
No interest rates! You’re not taking on debt, and you won’t be required to make any repayments!
And of course you’re never at risk of losing your home.
No surprises
Enjoy a reliable and steady income, and know upfront that you and your estate are looked after.
How it works
Your home is increasing in value over time, thanks to capital growth. It is generating you wealth! But that wealth only becomes available to you if you sell.
Stellar Retirement makes it possible for you to access that wealth today, as a reliable monthly income stream.
We agree to buy your home for an agreed value, either from you when you choose to sell, or from your estate.
Until then, we then pay you a percentage of that agreed value, every month. For the rest of your life or until you choose to sell your home.
And we even adjust your payments for inflation!
In effect, we exchange the capital growth of your home for a monthly income. Income for life.
How Stellar Retirement is different from other products
Stellar Retirement is not a reverse mortgage
We take the unpredictable growth in the value of your home and turn it into a certain income today.
Your income is guaranteed
Your Income for Life is based on your home’s value now and its potential to increase in value in the future, and is guaranteed in your contract.
Use your income however you like
Your money is 100% yours. Use it however you like.
Go on that holiday you’ve always wanted, get a new car, make renovations to your home, help out your children.
Don’t ever feel like you’re being left in the dark about your own finances
We don’t like surprises and we bet you don’t either. From monthly statements to frequent updates, we’re making sure you can be confident you’re across everything.
No strings attached
Should your circumstances change, or you just change your mind, you can leave the contract.
Commonly asked questions
Questions about technical and financial details
You get an amount that is a percentage of the agreed value of your home.
The amount is paid monthly and indexed annually to inflation for the rest of your life, or for as long as you own your home.
You receive an Income for Life in exchange for any capital growth in your home. You’re never at risk of losing your home, and you can sell at any time.
All you need to do is insure and maintain your home as you would anyway. Keep it nice!
At your choosing, we can combine up to 3 years of your Income for Life into a lump sum – for larger expenses like home updates, life experiences or a new car.
Your monthly income payments restart once the lump sum period has passed!
If you change your mind within the first six months, you can cancel the contract and return the payments made to you.
Or if you decide to cancel the contract at a later stage, you can do that too, either by selling the home or paying out the capital growth.
Questions about personal situations
The agreed value of your home is yours – whether you choose to sell or it forms part of your estate for your family.
We can help with paying out your existing mortgage as part of our lump sum payments, so you can simplify your finances and get on with life!
If your partner outlives you, they will receive the Income for Life for as long as they choose.
What others have said
“For the first time in 45 years I’ve been able to stop worrying about money and actually enjoy life”
Miranda S.
Moorabbin, Victoria
Peter M.
Kew, Victoria
Bloody good!
Sam E.
Alphington, Victoria
I love the idea of an additional income for the rest of my life. And knowing exactly how much my estate would receive.
James A.
Newport, Victoria
I feel very supported by Stellar Retirement. With income and funds for big expenses, and no mounting debt or interest.
Could Stellar Retirement work for you?
Find out on a free, no-strings-attached call.
Any advice on our website has been prepared without considering your objectives, financial situation or needs. Before acting on any advice, consider whether it is appropriate for your circumstances and view the Product Disclosure Statement or Terms and Conditions available online or by contacting us.
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