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Podcast: The Property Trio (formerly The Property Planner, Buyer and Professor)
Episode: #355: Reverse Mortgages Explained – Using Equity to Create Cash Flow in Retirement
Description: This week, the Property Trio unpack reverse mortgages after a thoughtful listener question from Simon about funding retirement without selling property.It’s a classic accumulation-to-income pivot, and one many investors leave too late. While accessing equity instead of triggering capital gains tax sounds appealing, reverse mortgages are a cash flow tool, not a wealth strategy. Compounding interest can erode equity over time, and lending limits are age-based and typically restricted to owner-occupied homes. Importantly, there’s no CGT advantage.The Trio emphasise that while reverse mortgages can play a role later in life, the most opti...