# #355: Reverse Mortgages Explained – Using Equity to Create Cash Flow in Retirement

Page: https://stenobird.com/podcast/the-property-trio-formerly-the-property-planner-buyer-and-professor-1182693/355-reverse-mortgages-explained-using-equity-to-create-cash-flow-in-retirement
Text version: https://stenobird.com/podcast/the-property-trio-formerly-the-property-planner-buyer-and-professor-1182693/355-reverse-mortgages-explained-using-equity-to-create-cash-flow-in-retirement.md
Podcast: [The Property Trio (formerly The Property Planner, Buyer and Professor)](https://stenobird.com/podcast/the-property-trio-formerly-the-property-planner-buyer-and-professor-1182693)
Published: 2026-03-30T10:46:34+00:00
Episode link: https://www.propertytrio.com.au/2026/03/30/listener-question-reverse-mortgages/
Audio file: https://api.spreaker.com/download/episode/70986670/pt_ep_355_reverse_mortgages_explained_using_equity_to_create_cash_flow_in_retirement.mp3
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Duration seconds: 2337

## Resource

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 optimal outcomes come from proactive, long-term planning. The Property Trio is: David Johnston, Mortgage Broker - Managing Director of Property Planning Australia https://propertyplanning.com.au/ Cate Bakos, Buyers Advocate - Managing Director of Cate Bakos Property https://www.catebakos.com.au/ Mike Mortlock, Quantity Surveyor - Managing Director of MCG Quantity Surveyors https://www.mcgqs.com.au/ 📩 Got a question you want answered in a future episode? Send it through https://www.propertytrio.com.au/contact-us/ You can find more info about topics covered in today's show here: https://www.propertytrio.com.au/2026/03/30/listener-question-reverse-mortgages/

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