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Loans for Borrowers

Aged Over 55

Over 55 Loans


Xceda specialises in tailored mortgage lending solutions for customers over the age of 55.


Many of our customers over the age of 55 are frustrated by the lack of lending options available to them. At Xceda, we focus on serving this valuable customer base – helping you plan towards or even beyond your retirement.

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 our loans tailored to over 55 customers

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Loan Purpose


Our loans can be used to suit your needs for any purpose, including:

  • Purchasing or refinancing your home or investment property;
  • Releasing equity in your home to provide a home deposit for your kids (the “Bank of Mum & Dad”);
  • paying for a holiday;  
  • funding for a new project or business; or
  • any other discretionary spending (such as simply meeting your day-to-day living costs).


At Xceda we realise that many over 55 customers have built up equity in their home or investment properties, so we are here to help you use more of what’s already yours!



Loan Structures

We can provide you with a lump sum payment over a fixed term, or a line of credit that you can draw down whenever you wish. You can tailor the loan that allows you to achieve your goals. 


Interest Rates

From 9.95% to 12.95%. 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 $1,000,000 subject to loan circumstances (e.g. location, eligibility criteria and lending limits).


Loan Terms

Up to 10 years based on your needs. We can tailor the loan repayment date up to your planned retirement date, or beyond if that is preferred.


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

Equity Release Loans

Bridge Mortgage Loans

Property Investment Loan


★ ★ ★ ★ ★
"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