Midkey

Midkey Midkey is Australia's "no monthly payments" loan for responsible homeowners. For any age (18+). Check Eligibility now!

Responsibly unlock your home equity or consolidate your debt payments with Midkey’s revolutionary NO MONTHLY PAYMENTS loan.

IN THE NEWS: Australian BrokerHere’s Part 2 of an interview by with one of Midkey’s Co-Founders, Richard Young. Spotlig...
12/12/2025

IN THE NEWS: Australian Broker

Here’s Part 2 of an interview by with one of Midkey’s Co-Founders, Richard Young.

Spotlight Series: Midkey’s cofounder on how alt lenders are capitalizing on market momentum. There’s been a ‘significant increase in demand’ for alternative lending solutions.

Momentum in Australia’s property and loan markets continues to gain traction, even as the year winds down and Australians gear up for a well-earned holiday break. Alternative lenders that understand the market, like Sydney-based boutique firm Midkey, are well-positioned to capitalize off the market.

The firm, founded in 2021 by Richard Young and Scott Collison, specializes in helping Australian homeowners, particularly those in mid-life, access home equity without selling their properties.

Young told Australian Broker that “in 2025, Midkey experienced a significant increase in demand.” But the cofounder and co-chief executive officer added that the firm expects rival lenders in the space to intensify in 2026 and beyond.

Part 1 & 2 of this interview can be found on the Australian Broker website:
www.brokernews.com.au

IN THE NEWS: Australian BrokerSpotlight series: How Midkey is helping mid-life Australians tap home equity. “Loan servic...
12/12/2025

IN THE NEWS: Australian Broker

Spotlight series: How Midkey is helping mid-life Australians tap home equity. “Loan serviceability is a big problem within the home mortgage market,” says co-founder, Richard Young

After spending nearly two decades abroad, Richard Young returned home to his native Australia and noticed a striking trend: many mid-life Australians - even those with substantial home equity - were being overlooked in the nation’s financial markets. Many in that age group were struggling to access their home equity without selling their properties.

That insight became the catalyst for Midkey, which Young launched in 2021 with fellow expat returnee Scott Collison. The duo now serve as co-founders and co-chief executive officers of the Sydney-based boutique lender.

Thanks to and Kellie Ell for this article.

Read the full article on the Australian Broker website. www.brokernews.com.au

02/10/2025

We’re proud to launch Midkey’s very first brand campaign – The Quest.

Six knights embark on a mythical journey to find The Midkey. A light-hearted take on the real financial pressures many Australians face in mid-life. From mortgages and renovations to school fees, tax bills, ageing parents and career pivots, life can feel like a battle.

Midkey is here to give homeowners breathing space. By unlocking the equity in your home with no monthly payments, you can ease the pressure and focus on what matters most.

Thank you to our partners GAME Creative, Nunn Media and Plaza Films for helping us bring this campaign to life.

Watch The Quest unfold

BORROWERS’ FEEDBACK: The whole team at Midkey thanks Queensland Unlocker, Steven, for his five-star review on TrustPilot...
15/04/2025

BORROWERS’ FEEDBACK: The whole team at Midkey thanks Queensland Unlocker, Steven, for his five-star review on TrustPilot. He even gave us an extra star! In his words, another “happy customer”.

Follow us for more!

SUBSCRIBE to our monthly newsletter for the latest news from Midkey, via email. Would you like to know when we expand in...
25/02/2025

SUBSCRIBE to our monthly newsletter for the latest news from Midkey, via email. Would you like to know when we expand into Melbourne or when we start providing loans to investment properties and apartments, not just owner-occupied homes? Or maybe you’d like to read our views on the property market and hear real borrowers explain how Midkey’s NO MONTHLY PAYMENTS loan has changed their lives.

To sign up, visit www.midkey.com.au (tap the link in the bio) to visit the Midkey homepage and submit your email address in the Join Newsletter section.

BORROWERS’ FEEDBACK: Another 5-star review from borrower Denise. We are delighted that the Midkey loan that she and her ...
15/11/2024

BORROWERS’ FEEDBACK: Another 5-star review from borrower Denise. We are delighted that the Midkey loan that she and her husband applied for has improved their lifestyle, and we’re equally pleased to hear that their experience with Midkey was excellent. The Midkey loan specialists pride themselves on their detailed service. Thank you for your kind words, Denise!

www.midkey.com.au

BORROWERS’ FEEDBACK: Have you ever written a review on TrustPilot or searched for a business and read the TrustPilot rev...
04/11/2024

BORROWERS’ FEEDBACK: Have you ever written a review on TrustPilot or searched for a business and read the TrustPilot reviews? Midkey has started receiving reviews on TrustPilot and, so far, each borrower has given us 5-stars for their experience. They’ll feature on our website soon and rest assured, Amanda Hall and our loans team are receiving glowing testimonials for their service. Thanks for the vote of confidence Daniel!

UNLOCKERS: How this Sydney couple unlocked the wealth in their home to relieve cost-of-living pressures and afford priva...
31/07/2024

UNLOCKERS: How this Sydney couple unlocked the wealth in their home to relieve cost-of-living pressures and afford private school fees, with NO MONTHLY PAYMENTS (keep reading for the full story).

(NOTE: This is a real story about two Midkey “unlockers”)

With rising cost-of-living pressures and an increased variable interest rate on their existing bank mortgage, Mosman couple James and Katherine were struggling to keep up with life’s demands.

They are both high-income earners in business consulting and medicine, yet they still felt as though they were falling behind financially.

High monthly home loan payments meant that taking out another loan from a traditional lender was out of the question. James and Katherine’s wealth was stored in their home, but they couldn’t find a way to access it.

That was until they found Midkey, Australia’s first “no monthly payments” home equity loan.

Midkey allowed James and Katherine to unlock $220,000 of equity from their Mosman family home. This second mortgage allowed them to regain control of their finances.

They moved some of this cash into an offset account to decrease the interest on their existing mortgage and used the remaining balance to pay their children’s private school fees.

They don’t need to make any monthly payments during the life of the Midkey loan and they get to choose when they’ll pay everything back.

Thanks to Midkey, James and Katherine can comfortably move on with life’s ongoing financial demands knowing that they made the responsible decision to unlock part of the equity in their family home.

Check your eligibility for a Midkey loan in two minutes, with no risk to your credit score at:
www.midkey.com.au

How this 57-year-old divorcee from Rostrevor, South Australia, unlocked the wealth in his home to deal with the aftermat...
19/06/2024

How this 57-year-old divorcee from Rostrevor, South Australia, unlocked the wealth in his home to deal with the aftermath of his divorce and move on with his life after traditional lenders were unable to help (keep reading for the full story).

(NOTE: This is a real story about one of Midkey’s “unlockers”)

In the final phase of his divorce, Jim, a dental therapist, simply wanted one thing: to move on with his life.

Part of ‘moving on’ included fixing up and selling the family home that he jointly owned with his ex-wife.

Although the house was recently renovated, it needed some critical repairs before it was placed on the market. The home improvements would give Jim a much better chance at selling for a higher price and help him find a suitable home for the next stage of his life.

Jim had already borrowed as much as he could from his current mortgage provider based on his income. However, his expensive legal bills from the divorce proceedings had eaten away at those funds, so he went hunting for an innovative solution.

Luckily Jim found Midkey – Australia’s revolutionary NO MONTHLY PAYMENTS loan that can be obtained with or without an existing home loan. Midkey takes a holistic view when assessing loans, considering a borrower’s assets more than their income.

So, with Midkey, Jim was able to unlock $140,000 to complete his repairs, pay the balance of his legal bills and put some into his offset account to reduce his monthly home loan payments.

Thanks to Midkey, Jim and many other responsible Australians can deal with life’s unexpected curveballs and comfortably move towards a better future.

To check your eligibility for a Midkey loan in two minutes, with no risk to your credit score, visit www.midkey.com.au

australianproperties

How this 54-year-old financial business owner from Bronte, Sydney, renovated his beach-side property by unlocking the eq...
24/05/2024

How this 54-year-old financial business owner from Bronte, Sydney, renovated his beach-side property by unlocking the equity in his home, with NO MONTHLY PAYMENTS (keep reading for the full story).

(NOTE: This is a real story about one of Midkey’s “unlockers”)

After recently founding an investor relations agency in 2023, Michael, from Sydney’s Eastern Suburbs, wanted to complete a much-needed renovation, but his inconsistent income meant he couldn’t service a traditional loan.

Michael has decades of experience in the equity markets, and always had a reliable income. However, like many people who start their own businesses, he found himself unable to find the loan he was looking for as traditional lenders are, and understandably so, unable to loan to people without the appropriate income to service their monthly loan payments.

He needed an innovative money-lending solution that would see beyond the income challenges that entrepreneurs like him face and rather, focus on the equity in his greatest asset, his home.

Luckily, Michael found Midkey. As a result, he was able to responsibly unlock some of the equity he had worked hard to build in his Bronte home for over many years.

Now, he can access the wealth that is stored in his home today, allowing him to complete his renovations and get on with his fast-paced mid-life as an entrepreneur with no monthly payments.

And of course, the best part is that Michael doesn’t have to pay anything back until he is ready in the years to come.

Midkey helps responsible Australian homeowners unlock some of the wealth they have stored in their homes by focusing more on their home equity than their current income.

www.midkey.com.au

How this 37-year-old finance professional from Sydney reduced his mortgage payments by nearly $5k per month by unlocking...
13/05/2024

How this 37-year-old finance professional from Sydney reduced his mortgage payments by nearly $5k per month by unlocking the equity in his home with a “no monthly payments” loan.

(NOTE: This is a real story about one of Midkey’s “unlockers”)

After building his dream home with his high school sweetheart in 2016, this finance professional from the outer suburbs of Sydney found himself paying off an $8k per month mortgage, leaving him feeling financially trapped.

Brett, aged 37, and his wife were both responsible borrowers, not missing previous debt payments.

They wanted to grow their family but feared that the added cost of raising another child meant having to sell their dream home.

Because traditional lenders were restricted by Brett’s loan servicing abilities, he needed to look for an innovative solution.

He read about Midkey in The Weekend Australian and immediately began researching the unique Midkey solution, weighing it up against other loan options in the market.

After some due diligence, he spoke with Midkey’s loan specialist, Amanda Hall, and soon enough, released close to $1m of home equity in cash.

Brett paid off a good portion of their existing mortgage which lowered their payments to a little more than $3k per month. He also put some of the Midkey loan proceeds in their kids’ private school education fund and some towards another investment idea.

For Brett and his wife, having another baby is no longer a financial challenge. Brett’s parents-in-law soon followed and got a Midkey too.

Midkey helps responsible Australian homeowners unlock some of the wealth they have stored in their homes by focusing more on their home equity than their current income.

Thanks to Midkey, this family could get on with their busy mid-lives without compromising their lifestyle and values.

www.midkey.com.au

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Sydney, NSW

Telephone

+611300643539

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