An equity release solution designed for life’s most demanding decade

Manage life’s busiest time with Midkey

Many Australians aged between 45 and 60 are in their peak earning (and spending) years — often feeling the greatest demand on their time. They have built significant equity in their homes and feel financially secure, but in many cases, they’re cash poor.

So, when planning a real estate move, trying to support adult children with homeownership, or funding a business, rigid bank lending criteria and cash flow requirements often create stressful roadblocks.

That’s where a home equity loan alternative like Midkey can make a meaningful difference.

Midkey’s Australian-first no monthly repayment loan model is reframing how asset-rich, financially savvy homeowners think about their biggest asset — their home.

Midkey offers responsible mortgage-holding Australians with growing equity in their property a flexible lending solution — available as a first or second mortgage — giving them the power to act on exciting new opportunities.

It also helps people avoid prematurely having to downsize the family home if their financial situation changes, while providing “circuit-breaker” capital when cash flow is tight.

It’s a smarter way to make long-term financial decisions using the ‘lazy equity’ in your home — the untapped property value not actively improving your financial position.

‍

Help the kids buy property — without selling yours

“I want to help my children buy a home, but I don’t want to sell my home yet. What options do I have?” It’s a question on the minds of many parents.

For many families, the ‘Bank of Mum and Dad’ is a powerful force in helping the next generation enter the property market. But it often comes with significant implications — taking on extra debt, dipping into savings, or selling the home too soon.

Midkey provides a considered new funding option. It allows parents to cash out home equity without the burden of monthly repayments or needing to move out. This means they can help their adult children with a deposit or purchase without disrupting their own life.

This approach supports intergenerational wealth transfer while allowing families to preserve their lifestyle. You could say it’s a way to have your cake and eat it.

‍

Enhance your home with Midkey

For other Unlockers, Midkey enables long-awaited or overdue home improvements.

Whether it’s updating a kitchen, adding a granny flat, or renovating before selling — these projects can significantly boost property value. But funding them isn’t always easy, especially if you already have a mortgage or unpredictable income.

That’s where Midkey comes in. As a traditional reverse mortgage alternative, it allows customers to fund renovations confidently using a second mortgage — repaying only when it suits them.

It’s an ideal solution for those seeking a loan for home renovations without the stress of monthly repayments.

‍

A financial problem solver for mid-life Australians

For many families, the home is more than a roof — it’s stability and identity.

But life happens. Job loss, medical bills, school fees, or rising living costs can all put strain on finances, relationships, and routines — especially for families with school-aged children.

Midkey acts as a financial circuit-breaker, keeping people in the home and area they love. It helps prevent forced sales or downsizing and maintains continuity for children, friends, and support networks.

In some cases, a Midkey loan over 3–5 years can be used to cover private school fees or urgent family needs — offering much-needed breathing space.

‍

How Midkey works

Midkey is Australia’s first no monthly payment home loan, offering a new way to release equity in your home. It’s available to property owners aged 18+, as a first or second mortgage, across metropolitan areas in every state and territory (except Victoria and the NT).

Unlike traditional lenders, Midkey doesn’t assess income or apply strict buffers. Instead, approval is based on property value — making it a more flexible form of equity release in Australia.

There are:

• No monthly repayments
• ‍Simple interest that accumulates over time
• A deferral fee that only applies if the property increases in value
• Borrowing of up to 30% with an existing mortgage, or 35% without
  

‍

Real-world examples

Many mid-life Australians are already using Midkey to take control of life’s big financial moments:

• Coogee banker Cheryl shares why she chose a Midkey loan to stay in her family home
• Sydney advertising executive Chris explains how a Midkey helped him fund life’s next big move
  

Want to explore how much you could unlock?

Try the Midkey Loan Calculator or watch the explainer video to learn more.