Discover our next-generation products

The Equity Preservation Mortgage® is designed to fund both our Futureproof financial products and the embedded banking and insurance products of our Product Issuers, that meet the needs of customers throughout every stage of life.

Our design principles

The key design principles driving our product team when developing the Equity Preservation Mortgage® are:

These are mortgage products (not investment products)

Put customer needs at the centre of product design

Develop a range of products to meet the specific funding requirements of the aging population at each life stage

Deliver real economic value to customers

Financial products must be ethical and fiscally responsible

Remove investment risk, capital risk and interest rate risk for the borrower

Remove negative equity risk, credit risk and investment risk for the lender

Lower risk weighting under Basel II and III (banking) and Solvency II (insurance) protocols

More efficient use by lenders of regulated capital to write our mortgages

Products that deliver higher return on bank assets to increase profitability of the lender

Improve customer retention  from typically 5 years, up to 30 years

Find out how Futureproof can help you better serve your clients.

How to use our smart mortgages

The Equity Preservation Mortgage® is an entirely new form of mortgage that operates very differently from all existing equity release mortgages and is able to be utilised in two different ways:

To support the range of standard Futureproof products designed for every life stage.

Bundle and fund legacy products or third-party products embedded on the SaaS product platform.

Our products

Futureproof Income™

Futureproof Income™ utilises our Equity Preservation Mortgage® to offer a tax-free, guaranteed, fixed-term income solution for pre-retirees of all ages.

Example: a pre-retiree with a property at a median house value of $750,000 can obtain up to $25,000 p.a. in tax-free annuity income for 15 years.

Futureproof Superannuation™

Futureproof Superannuation™ uses our Equity Preservation Mortgage® to give customers a reliable and tax-free income stream, directing funds straight to their superannuation account or private retirement fund.

Example: a 40-year-old pre-retiree with a property at a median house value of $750,000 will add $1,000,000 to his or her superannuation balance by retirement age.

Futureproof Pension™

Futureproof Pension™ helps customers secure a stable and tax-free revenue stream. Our Equity Preservation Mortgage® will be utilised as the funding engine to finance or acquire a deferred annuity, ensuring a worry-free retirement.

Example: a 40-year-old pre-retiree with a property at a median house value of $750,000 may fund the purchase of a deferred annuity to provide up to $25,000 p.a. income from retirement age.

Futureproof Retirement™

Futureproof Retirement™ offers a worry-free solution for retirement that will ensure financial security in customers' golden years by providing maximum annuity income using the Equity Preservation Mortgage®.

Example: a retiree with an average property for seniors valued at $1,000,000 can obtain up to $400,000 in tax-free annuity income taken monthly over 5, 10 or 15 years.

Futureproof Investment™

Futureproof Investment™ will strategically utilise our Equity Preservation Mortgage® as the funding mechanism for purchasing an investment property, ensuring it is completely paid off by retirement age.

Example: a 40-year-old self-employed pre-retiree or small business owner (usually with no superannuation) with an average property of median value of $750,000 can fully fund the purchase of a new 1-bedroom investment property or buy-to-let.

Futureproof Aged Care™

Futureproof Aged Care™ utilises our Equity Preservation Mortgage® as a dependable financial solution, covering daily accommodation and care charges in aged care residences.

Example: a retiree with an average property for seniors valued at $1,000,000 will preserve that equity for the refundable bond for low-care or high-care accommodation, should it be needed, while also paying up to $700 per week for aged care fees.

Futureproof Family Assistance™

Futureproof Family Assistance™ harnesses our Equity Preservation Mortgage® to facilitate generous gifting to loved ones.

Example: a retiree with an average property for seniors valued at $1,000,000 can gift a $110,000 lump sum to a grandchild to assist with a home purchase while giving up to $25,000 p.a. to another grandchild for university or college fees.

Futureproof Wealth™

Futureproof Wealth™ utilises our Equity Preservation Mortgage® as a strategic financial mechanism to enhance the rental yield on every investment property or buy-to-let currently in the customer's portfolio.

Example: high net worth investors who own an unencumbered one-bedroom rental property at a median value of $750,000 can secure a supplementary tax-free income stream (in addition to their existing rental income of $480 per week) from that property of up to $25,000 p.a, thereby doubling their existing rental yield.