Home Equity Access Options in Australia: Complete Comparison (2026)
Six ways to access home equity compared — reverse mortgage, HEAS, home reversion, fractional funding, refinancing and downsizing — on cost and protection.
How Do Mortgage Brokers and Financial Planners Refer Clients to Property Funding Alternatives?
How brokers and financial planners refer clients to non-loan property funding — referral touchpoints, professional obligations and what to check first.
Who Is Eligible to Raise Funding Against Their Property With MyBrix?
Who can raise funding against their property with MyBrix — the property and minimum-holding criteria in the PDS, and how eligibility is confirmed.
What Are the Risks of Home Equity Release for the Homeowner?
The risks of home equity release by route — reverse mortgage, home reversion, HEAS and fractional funding — and their effect on pension, tax and estate.
Can I Buy Back the Share of My Home I Sold?
Yes — MyBrix owners can buy back Brix any time at a price agreed before listing, and must settle what's left by term end.
What Happens to a Fractional Funding Arrangement When the Owner Dies?
What's known — and what isn't yet public — about how a MyBrix fractional funding arrangement is handled after the owner's death, plus where to get advice.
What Happens to a Fractional Funding Arrangement When I Sell?
You can sell any time — net proceeds split proportionally across all Brix holders after a 5% selling management fee. Detail beyond that isn't public.
Can Retirees Access Home Equity Without Income Requirements?
Which ways to access home equity skip an income test for retirees — home reversion, fractional sale, HEAS and reverse mortgages compared.
Is Money From Selling a Share of My Home Taxed?
Whether money from selling a fractional share of your home is taxed turns on unsettled CGT questions — the framework, the gap, and where to get advice.
How Does Selling a Share of My Home Affect My Age Pension?
How selling a share of your home interacts with Age Pension assets and income tests, and why Services Australia's Financial Information Service matters.
What Does Equity Release Really Cost Over the Long Term?
How equity release costs behave over time — a reverse mortgage or HEAS compounds debt; home reversion and a fractional sale cost a share of future value.
What Is Home Reversion and How Is It Different from a Reverse Mortgage?
Home reversion sells a share of your home's future value at a discount; a reverse mortgage is a compounding loan. How they differ, and where MyBrix sits.
Do I Lose Control of My Home If I Sell a Share of It?
No — you stay the registered legal owner, keep occupancy, and can sell or buy back Brix anytime. But renting the home out needs MyBrix's approval.
How Can I Fund Renovations Without Increasing My Mortgage?
Four ways to fund a renovation without adding to your home loan — savings or offset, a personal or construction loan, a fractional sale, or a HEAS advance.
Can I Access Home Equity If the Bank Won't Refinance Me?
Declined a refinance? Fractional sale, home reversion and the Home Equity Access Scheme — three equity routes that don't hinge on serviceability.
How Does the Government Home Equity Access Scheme (HEAS) Work?
How the Home Equity Access Scheme (HEAS) works: eligibility, fortnightly and lump-sum caps, the interest rate, and where it sits among private options.
Reverse Mortgage vs Selling a Share of Your Home: How Do They Compare?
How a reverse mortgage's compounding loan compares with selling a share of your home — costs, ownership, protections and exits, side by side.
What Is Fractional Property Funding? Selling a Share of Your Home, Explained
Selling fractional economic interests in your property — Brix on MyBrix — to raise funds without a loan. Mechanics, costs, control and buyback.
What Are the Alternatives to Selling My Home When I Need Money?
Six ways to raise money from your home without an outright sale — refinancing, reverse mortgage, HEAS, home reversion, fractional funding and downsizing.
How Can I Access the Equity in My Home Without Taking Out a Loan?
Four non-debt ways to access home equity — home reversion, shared equity, fractional sale and downsizing — and how they compare with loan options.