Downsizer Home Loan Australia

Q: Can I get a home loan if I'm 65?

Yes — with serviceability and exit strategy. Term may be shortened.

Q: What is the downsizer super contribution?

55+ can contribute $300K from family home sale into super. We coordinate.

Q: Should I sell first or buy first?

Sell-first: certainty + interim accommodation. Buy-first: bridging finance.

Q: How does pension income count for borrowing?

Age Pension counts (often discounted). Super income gives better capacity.

Q: Bridging loan for downsizer — how does it work?

Interim finance to buy before sell. Repaid from sale. Higher rate, short-term.

Who this guide is for

Australians 55+ downsizing from larger family homes to smaller properties — empty nesters, retirees, near-retirees consolidating.

Empty nesters with grown children moving out
Pre-retirees consolidating ahead of retirement
Retirees moving to age-friendly property
Multi-generational South Asian families restructuring living arrangements

The local picture

Older borrowers face age-related lender restrictions. Some banks limit loan terms based on retirement age. Pension income is treated differently. The downsizer super contribution rules create timing complications.

How Mortgagefy helps locally

Mortgagefy works with downsizer scenarios regularly. We identify lenders flexible with older borrowers, coordinate with accountants on super contribution timing, and structure properly.

Free advice.

How it works — 4 simple steps

Free downsizer chat

20-minute call about your current home, target property, and timing.

Compare lender options

We identify lenders flexible with downsizer-aged borrowers.

Coordinate sale + purchase

We coordinate finance with sale of your current home.

Settle into your new home

You downsize with proper structure in place.

Frequently asked questions

Can I get a home loan if I'm 65?

Yes — but lender approach varies. Some limit terms based on serviceability into retirement. Strong asset position and exit strategy (sale at retirement) help.

What is the downsizer super contribution?

Australians 55+ can contribute up to $300K from sale of their long-term family home into super. Tax-favoured. We help coordinate timing.

Should I sell first or buy first?

Depends on cash position. Selling first gives certainty but requires interim accommodation. Buying first requires bridging finance. We model both.

How does pension income count for borrowing?

Age Pension counts as income but lenders may discount it. Self-funded retirees with super income often get better borrowing capacity than full pensioners.

Bridging loan for downsizer — how does it work?

Lender provides interim finance to buy new home before selling old one. Repaid from sale proceeds. Higher rate but short-term. We arrange when needed.

Talk to us about downsizer home loans

Free 20-minute call about your downsizing plans.

Start Your Free Assessment Call 0432 634 648

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Downsizer Home Loan in Australia: For Empty Nesters Moving Smaller