Richard Chapman - Mortgage Broker

07/08/2026

Think you or your loved ones may lose their home if they take out a reverse mortgage loan ? Think again.
Reverse mortgages today are not what they used to be.
Since 2012, every reverse mortgage in Australia has come with a legally mandated No Negative Equity Guarantee, meaning you (or your estate) can never owe more than your home is worth. Another protection is the percentage of your home equity that can be borrowed against. This starts at a conservative 15% maximum at 55 and generally increases by 1% more each year.
Additionally, the loan can be structured to allow gradual release of funds which helps to save thousands in interest costs over an extended period and preserves equity in your home when it is sold. It's a heavily regulated, closely monitored product built to protect homeowners like you, not the risky reputation it once had.

Give me a call on 0499 284 187 if you would like to find out more about the modern day reverse mortgage.

06/08/2026

A heart-warming review from Sandra who I recently helped with a reverse mortgage loan.

14/05/2026

Family discussions about taking on debt in retirement can sometimes be tricky. We always encourage people to discuss their thoughts with family as family support can make a huge difference. An article well worth reading by prospective borrowers and their family members...

Thinking about a reverse mortgage but not sure how to bring it up with your adult children?

Our latest article shares simple conversation tips to explain your reasons, clear up myths, and keep family harmony while you stay in the home you love. 👉 https://ap1.hubs.ly/y0NSLq0

13/05/2026

It's always a good feeling to receive a review from a happy client...

23/03/2026

A nice review from a recent client who I have helped improve their retirement options.

Thank you, Trevor 💛

We’re so glad Richard could guide you through the process and make everything clear and comfortable from start to finish. Your trust means a lot to us.

13/01/2026

If you are in the Brisbane area and would like to have an in-person chat about reverse mortgages I'd be happy to setup a time to do that, either face to face or via phone call.
Please contact me on 0499 284 187 to arrange.

Looking to travel?✈️ Renovate? 🛠️Purchase a new car?🚗 Seniors first can help you achieve your ambitions this coming year.

Reach out to the team today to explore your options 📱 1300 745 745

11/12/2025

This is one of the most common myths believed by many people including finance and legal professionals. I’d encourage people to read our guide to gain an understanding of why it’s simply not true.

🏡 Think you need to sell your home or dip into super to renovate? Think again!

A Reverse Mortgage lets seniors access home equity tax-free, so you can fund essential renovations while staying in the home you love.

💡 Read our full guide 👉https://hubs.la/Q03S7q3H0

02/12/2025

Great catchup with Michael and Brad from Inviva, our Seniors First CEO Darren Moffat and my colleague Greg Hendy for lunch yesterday. Great to see an innovative lender like Inviva keen to get direct feedback from brokers about how they can improve their offer for clients.