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Equity Release


Equity Release


Xceda provides you the freedom to use more of what’s already yours!


By utilising the existing equity in your home or investment property, Xceda can advance you a lump sum or a line of credit for any purpose.

Lending Rates between


9.95% - 12.95% p.a.*

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* Xceda's lending products are all subject to fixed interest periods of up to 2 years. Our fixed interest rates vary depending on the credit profile of the transaction. All loans are subject to our standard Loan Fees, Terms and Conditions.

Key features of an Equity Release Loan

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Loan Purpose

Release equity in your existing property (owner-occupied or investment property) for purposes such as:

  • paying for a holiday;
  • buying a new property (including for your kids as “The Bank of Mum & Dad”);
  • funding for your business; or
  • any other discretionary spending.



Loan Structure

We can provide you with a lump sum payment or a line of credit, whatever is best for you to achieve your goals. 



Interest Rates

From 9.95% to 12.95% p.a. The actual interest rate will depend on the borrower's circumstances and the information verified during the assessment of a loan application.



Loan Amounts

Loans up to $2,500,000 subject to the circumstances of the loan (e.g. location, eligibility criteria and lending limits). 


Loan Terms

Up to 10 years based on your needs. If you are over 55 years of age, we can tailor the loan repayment date to your planned retirement and beyond.


Loan to Value (LVR)

Borrow up to 80% of the property value.


Repayment Options

Principal and Interest, or Interest Only (up to 2 years - followed by Principal and Interest payments for the remainder of the loan term). 



Loan Rates, Fees and Terms & Conditions

Xceda's Other Loan Products


Bridge Mortgage Loans

Borrowers Aged Over 55 Loans

Property Investment Loans


★ ★ ★ ★ ★
"This was the first time dealing with Xceda. Good and prompt communication with staff, and no issues regarding my business dealings."

Gerard Bruijl

★ ★ ★ ★ ★
"Quick & easy to deal with, excellent staff make it ALL happen, & take the hassle away from you."

John Donnelly

★ ★ ★ ★ ★
"Great customer service experience and interest rates. Emma is a very good communicator and made the application process easy."


Talk to us today


Call us


Loans & General Enquiries:

  0800 11 22 74


Savings & Deposits:

  0800 11 22 75