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Aged Care Financial Advice

Seniors First works with financial advisers who specialise in aged care financial advice

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Perhaps the financial challenge that looms largest for seniors is aged care. With the implementation of the Living Longer, Living Better reform on July 1, 2014, aged care facilities must enforce tighter means of testing on aged care and accommodation costs. The importance of getting good information and considering all the options weighs more heavily than ever before. You and your family simply cannot afford to make uninformed decisions.

Effective financial planning for aged care includes practical and helpful advice on how you can pay aged care entry fees and accommodation fees such as:

Refundable Accommodation Deposit (RAD)
Daily Accommodation Payment (DAP)
Means-tested care fee

An experienced aged care financial planner may assist you with seniors finance advice and strategies that:

Improve your cash flow
Minimise aged care costs
Help fund your aged care fees

Seniors First works with a small network of financial advisers who specialise in aged care financial advice in NSW, QLD, VIC, WA and SA.

Request a referral to an aged care financial adviser

Aged Care Financial Advice

If you are retired or approaching retirement, you may think that all the big financial decisions are behind you.

However, nothing could be further from the truth. Some of the biggest financial challenges a person is ever likely to face occur in the final 30 to 40 years of life. Such as:

Planning finances for a comfortable retirement
How to pay out your mortgage before you retire
Reduced income in transition to retirement
Managing your superannuation effectively
Estate planning
Entry to aged care and funding aged care costs

In many of these circumstances, there is a strong need for good financial advice. To assist our customers, Seniors First can refer you to financial advisers upon request.

What Our Clients Say...

Glenn R.

2 days ago

Andrew has been outstanding. He has assisted us in a professional manner and was always across our needs. We are very impressed and would recommend him to anyone seeking a capable broker.

Dana H.

2 days ago

Palka Kumar has made the process of applying for a reverse mortgage very easy. She has been extremely helpful, patient and was available at all times to explaining the whole process to us. I highly recommend Palka to anyone who is interested in applying for a reverse mortgage.

Lisa H.

2 days ago

Greg was excellent and guided me through the process which can be long and complex

paul B.

2 days ago

Having selected Seniors First as our broker, Seema took on our case and we are glad she did, Guiding us through the process, with person to person communication together with the Serah portal. Tks Seema.

Stephen L.

3 days ago

Palka Kumar brokered with us for the best options to take out a Reverse mortgage loan. We found her to be fully conversed with the process and able to answer every question we had about concerns. Always very pleasant and helpful, taking the stress out of what is a very big decision to make. Thank you Palka for your assistance and we would recommend you to anyone wanting to talk on this subject and financing in general.

Ian B.

4 days ago

At age 86 I was surprised to find that the bank I relied on for eighty years no longer provided reverse mortgages. Although very wary of the web I searched and found Seniors First which appeared well respected. My journey through the application process and the complications presented by an existing Government HEAS loan has been guided every step of the way to completion by their R. M. Specialist Cheryl Maclean. Thank you Cheryl and Seniors First – 100%.

Ramsay S.

1 week ago

Professional, caring, and very pleasant indeed! I don’t think there are many people out there who work with such dedication, and this is my second reverse mortgage signed successfully with Palka.

Mario B.

1 week ago

from the time we started to the time everything was done,Cheryl Maclean has been so helpful to us she has been there for us anytime we needed her.She is a huge credit to the company and it has been a pleasure knowing her .

Dina B.

1 week ago

Our experience with Cheryl has been nothing but amazing. She has helped along this process with much thought and dedication, she has been so patient and supportive throughout the whole experience. We definitely recommend Cheryl. Even when things were getting a bit complicated for us she was always patient. So many phone calls that we made to her she never made us feel like we were a nuisance. A very high praise to her. I’m sure as she went home at night she will feel she’s doing a great days work, for us and anyone else she’s helping. Thank you so much Cheryl for your help at this time of this experience we went through together. We are very grateful that you have been there for us. A very special thanks from Mario and Dina.

Peter W.

2 weeks ago

Thanks Angela Giokaris at Seniors First. Your help and guidance made it much easier to successfully apply for a Reverse Mortgage Loan.

Patricia A.

2 weeks ago

Thank you for all your help... Very good too deal with

Richard H.

2 weeks ago

Angela Giokaris was our Reverse Mortgage Consultant at Seniors First to assist my wife and I to obtain a Reverse Mortgage. Angela's service was exceptional. She provided comprehensive information in a very user-friendly format and was always available to answer questions and provide clarifications. Angela secured an excellent interest rate following a competitive tender of available providers of Reverse Mortgages. My wife and I are very happy with the outcome and recommend Seniors First, and particularly Angela Giokaris, to other people interested in this product. Richard Hughes

Mark W.

3 weeks ago

Palka Kumar from Seniors First was excellent at guiding me through my Reverse Mortgage process.

Lorette S.

3 weeks ago

I cannot speak highly enough of my experience with Cheryl Maclean her patience and guidance from my tentative inquiries to a result I am more than happy with. There was never a question I had that Cheryl couldn't answer confidently which in turn helped me make I believe the right decisions going forward. Thank you Cheryl

Sue H.

3 weeks ago

Cheryl has been an absolute godsend since day one. Nothing was too difficult. Always there to answer any questions or to give advice through this whole journey. I would recommend Cheryl to anyone contemplating a reverse mortgage Many thanks Sue

Jenni A.

3 weeks ago

Our consultant Cheryl Maclean was at all times very professional. She answered all our questions and took us through the process smoothly and we felt very confident. We highly recommend her services.

Dorothy M.

3 weeks ago

I can not speak more highly about the way I was looked after and by Senior first / Reverse mortgage Broker I would and will recommend them to anyone else who needs help . Your's Faithfully Dorothy Mattsson .Thank you once again for their help.

Kathleen H.

4 weeks ago

My husband and I had a wonderful experience with Seniors First for our reverse mortgage especially the great help with our stock broker Cheryl Maclean from Seniors First she could not do enough for us in helping us get the best reverse mortgage loan for us in Inviva and making sure we understood the whole process Much appreciated Cheryl thank you 😊

lorraine G.

1 month ago

.My first phone call to Seniors First was the wisest move in gaining financial security and confidence in my senior years. Due to the expertise and sound advice of my broker, Adam Oakley, the process was fast and efficient. His excellent communication skills and knowledge make me wish I had acted sooner. He was so patient and supportive throughout the process, especially when I was navigating the digital technology of my application. Thank you Adam

sandra T.

2 months ago

My reverse mortgage has just been settled and I am very grateful to my broker Richard Chapman for all his help and advice. Richard guided me through the process providing all information in a timely manner and was always available to clarify any questions which arose. His professional approach together with his warm and engaging manner made working with Richard a positive experience from start to finish. My heartfelt thanks to Seniors First and Richard for their valuable service.

Denise C.

3 months ago

My experience with my broker, Angela Giokaris, was excellent; she kept me fully informed about the process (providing clear instructions and a numbered checklist of the timeline) and the expected duration of the entire process, which in my case was 6 weeks. There was an issue with my own mortgagee which threatened to delay the settlement but in the end it was completed in time to suit my own needs. Throughout this relationship, Angela was always available and encouraging. We communicated and worked well together so I would recommend Angela to anyone seeking to engage Seniors First to provide a Reverse Mortgage.

How Seniors First Reverse Mortgage Can Help

Senior First can help you to find out how much equity you have in your home, and how you might be able to use it for your needs.

If you want to learn about reverse mortgages in detail, you can download our guide, Reverse Mortgage Secrets.

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Industry Awards & Recognition

Senior's First has developed a reputation as an award-winning Reverse Mortgage broker, and a trusted name among public policy organisations, the aged care industry, senior’s groups, older borrowers and their families.