Household Capital

Household Capital raises $270m in rated mortgage securitisation attracting diverse global investors to expand Australian retirement housing and funding: Household Capital, a leading Australian provider of home equity retirement funding, today announced the completion of HHC 2025-1 RMBS Trust, a $270m mortgage securitisation dual-rated by Moody’s and S&P. Citigroup Global Markets Australia (“Citi”) acted as Arranger and Citi and Macquarie Debt Markets team (“Macquarie”) were Joint Lead Managers on the transaction. The innovative mortgage securitisation allows Household Capital to continue to meet the increasing demand from retired Australian homeowners seeking responsible, long-term funding for their retirement needs – a sector based on more than $1.3 trillion in retiree home equity available today. The HHC 2025-1 transaction builds on the successful inaugural 2024-1 transaction to efficiently allow the trust to fund ongoing customer drawdowns on their home equity under their existing approved amounts as well as through potential future increases to their credit contracts – an important structural feature to ensure home equity is made available by the trust to fund the current and future needs of retirees. The Household Capital mortgage securities were attractive to global investors based on meeting international risk retention standards. Household Capital intends to list the notes on the ASX subsequent to the transaction. Household Capital CEO, Joshua Funder, said “Our latest innovative mortgage portfolio securitisation is a great outcome for Australian retirees and a big step forward in the evolution of the sector. We are delighted to work with Citi and Macquarie to deliver the high quality of our customers and the low-risk nature of our mortgages to local and global investors. Our scalable securitisation program is essential to sustainably scale retirement housing and funding and help Australians meet the challenge of an aging population”. “We were delighted to attract strong, global, diverse investor demand for our securitisation. The way Australian retirees access the wealth in their homes using a Household Loan is different from similar approaches here and elsewhere. The rating on our portfolio reflects a series of key differentiators of Household Capital equity release mortgages: higher voluntary discharge, shorter duration, lower negative equity risk and higher cashflows. We have achieved a very strong dual rating and continued to innovate so these securities deliver for our customers, our investors and Household Capital” Funder said. Nick Sherry, Household Capital Chair, said “Household Capital continues to lead the way in providing access to home wealth for older Australians. The securitisation of our mortgage portfolio is a major milestone in providing billions of dollars each year in additional funding for an ageing population.

Last week's SFGEmpowher event in Brisbane was truly special. As a guest speaker representing Household Capital the exclusive sponsor, I felt incredibly privileged to be part of such a vital conversation. It was wonderful to connect with so many strong yet kind women who embody the spirit of mutual support and empowerment. These are the rooms we need to be in, fostering environments where we can all grow and succeed. My sincere and warm thanks go out to Ann-Maree Lockett and Sherifaye Huseyin for their dedication and for pulling together such a memorable event with a beautiful venue. Mhairi MacLeod ...JP Morgan Owen Joanna James Amy Thorburn Tracy Kearey Heather Gallagher Kandi Dunn  Debbie Hutchings

Household Capital launches new refi option: Household Capital, which provides a range of flexible lending solutions for Australians aged 60+, has announced the launch of its Retirement Refi loan. More than two million Australians in their 60s carry mortgage debt, a number that will continue to grow. Some of those individuals are approaching retirement, others already retired – sometimes not by choice. For many, trying to juggle repayments on even a modest home loan alongside the rising cost of living is challenging. “As Australians transition from working life to retirement, there are few options for people carrying the burden of regular repayments,” said Shelley Libbis-Wettenhall, Household Capital’s Head of Broker Distribution. “For many, the end result of having to make mortgage repayments in their 60s is a compromised lifestyle.” Based on its full featured reverse mortgage, the Household Loan, Household Capital’s new Retirement Refi is a streamlined loan that offers a lower interest rate and simplified application process. “Our Retirement Refi has been designed to meet the needs of this group; it allows the over 60s to repay their home loan with a reverse mortgage product that removes the need to make regular repayments and frees up their cash flow,” added Wettenhall. Household Capital’s Retirement Refi is designed to refinance an existing mortgage and provides a small additional ‘contingency fund’ to help with future unexpected retirement expenses. “While our Retirement Refi is not for everyone, it is for many,” commented Wettenhall. “It gives brokers the opportunity to retain and attract older clients and gives those clients the ability to free up their cash flow to enjoy freedom and choice in retirement.” Household Capital’s flexible lending solutions for clients aged 60+ are available on a number of broker panels including Finsure, LMG, SFG, and YBR Aggregation.

A wonderful morning tea with Finsure. Kicking off the #roadshow in Chatswood and I couldn’t believe the amazing #mortagagebroker turnout. An opportunity to share how Household Capital works with brokers to support retirees

SFGEmpowher Announcement 2025 SFG are excited to welcome Household Capital as the Exclusive Sponsor of SFGEmpowher for 2025. A huge shoutout to Esther Angrisano and her amazing team at Household Capital for supporting our SFG mission to empower and create more opportunities for women in finance. We look forward to an amazing year in continuing to grow and empower, inspire, and elevate women across the industry and inspire the next generation of women in finance. THANK YOU to Household Capital for believing in our vision and joining us on this exciting journey. We can’t wait to see what we’ll achieve together in 2025! Team SFG 🖤🤍 Team Household Capital 💛🤍 #SFGEmpowher #HouseholdCapital #WomenInFinance #Empowerment #Leadership #StrongerTogether #ThankYou #SFGCommunity