"The product is perfect for those looking to unlock substantial equity without blowing out family cashflow.” -Jamie, July 2025
"Midkey offered a solution where no other lender could. It has given us freedom and greatly reduced the financial pressure we were under.” - Kate, June 2025
"Highly recommended product for the self-employed with substantial equity locked up in their home.” - Paul, June 2025
"First class product. Amazing service. A very unique and outside the box model.” - Kathy, May 2025
"We were strongly recommended to Midkey via a good friend. It has all resulted in an attractive option we did not have prior.” - Benjamin, 8 Apr 2025
"Great product and reputable institution. We would have no hesitation in recommending Matt and the team at Midkey and we hope they will continue to disrupt the industry positively with their unique product.” - Adrien, 31 Mar 2025
"The product is perfect for those looking to unlock substantial equity without blowing out family cashflow.” -Jamie, July 2025
"Midkey offered a solution where no other lender could. It has given us freedom and greatly reduced the financial pressure we were under.” - Kate, June 2025
"Highly recommended product for the self-employed with substantial equity locked up in their home.” - Paul, June 2025
"First class product. Amazing service. A very unique and outside the box model.” - Kathy, May 2025
"We were strongly recommended to Midkey via a good friend. It has all resulted in an attractive option we did not have prior.” - Benjamin, 8 Apr 2025
"Great product and reputable institution. We would have no hesitation in recommending Matt and the team at Midkey and we hope they will continue to disrupt the industry positively with their unique product.” - Adrien, 31 Mar 2025

Unlock your equity.
Unlock your wealth.

Free yourself from financial pressure with a smarter way to access the value in your home. No monthly payments, use your equity without selling, pay it back when it suits you.

Unlock your equity

Reduce your monthly outgoings

Boost your borrowing power

As featured in
It takes less than three minutes to check your eligibility, with no impact on your credit score.
What is the current value of your home?
$1,000,000
$500,000
$10,000,000
How much do you owe on your mortgage?
$500,000
$0
$800,000
How much would you like to borrow from Midkey?*
*Including the option to reduce your existing mortgage.
$100,000
$100,000
$300,000
Nearly there! Just enter your details below and submit to find out if you're eligible.
Learn more
Disclaimer: This content is provided for informational purposes only and without warranties of any kind. Use of the information is at your own risk.
Midkey is the innovative lending solution for smart borrowers over 18 as an alternative to traditional lenders. Our loan has no monthly payments. Pay back Midkey when you are ready or when you sell your home.

What makes Midkey
a better solution?

midkey image
Midkey home equity loans now cover three property types
Owner-occupied house
6.85% Simple interest
Investment house
7.35% Simple interest
Apartment
7.85% Simple interest
Owner-occupied homes
7.1% Simple interest
Investment properties
7.6% Simple interest
Apartments
8.1% Simple interest
Owner-occupied house
6.85% Simple interest
Investment house
7.35% Simple interest
Apartment
7.85% Simple interest

How much does it cost?

1

What you pay at the start of your loan

Valuation fees
Establishment and setup fees
2

What you pay during the life of your loan

3

What you pay at the end of your loan

Valuation and Discharge fees
*provided (i) you are not in default under your Midkey loan, and (ii) the loan-to-value ratio of your mortgaged property has not exceeded 100% during the life of your loan.
**After we apply an initial 5% valuation discount.

How can a Midkey
loan help you?

Take advantage of financial opportunities or consolidate debt when traditional lenders are unable to help.
May lower your existing monthly payments
Pay off other
debt
Business
assist
Reset after
divorce
Pay education
fees
Renovate your property
Buy an investment property
Buy a bigger
house
Help your kids buy a home
Unexpected healthcare

Designed for
responsible borrowers

The average credit score of our borrowers is very good.
Innovation doesn’t mean irresponsible.

We’ve already helped manyAustralians
unlock their midlife...

Cheryl
" I was asset-rich but stretched and, on my single income, I was unable to borrow enough money from traditional lenders for the extensive renovation this house needs. Midkey was the key to my future and gave me options otherwise not available to me. ”
midkey image
Banker,
Coogee NSW
Chris
“We got quick access to cash which didn’t impact our monthly outgoings. It’s so straightforward… it’s just a wonderful way of leveraging the biggest asset that you own”
midkey image
Ad Executive,
Mosman NSW
Elizabeth
" Our dream of giving our eldest daughter a lump sum towards her deposit has come true. Instead of buying a one-bedroom apartment, now she can buy a three-bedroom house in a better suburb. ”
midkey image
Part-time Carer,
Brisbane QLD
Dianna
" My only other option was to sell and downsize, but I hadn’t planned to do that for another five to ten years. Without Midkey I would have lost my life as it was. ”
midkey image
Contractor,
Mittagong, NSW
Glenn
" I admit I was sceptical at first, but then I looked online and did my research to understand the business model and it made sense. With Midkey you are paying a small premium to live your life now, for the freedom to do what you want to do now. ”
midkey image
Health Professional,
North Epping, NSW
Mark
" By doing that I have reduced the monthly payments on my existing mortgage by more than 50% so now I feel less constrained, freer. It’s for people with a vision … to create a pathway in these times, harness the power of initiative. ”
midkey image
Finance Professional,
Kellyville, NSW
midkey image
midkey image

It takes less than three minutes to check your eligibility, with no impact to your credit score.

Check Eligibility

Trusted by our borrowers

Check out our latest Trustpilot reviews

"Midkey's entry has provided a truly innovative product, that not only allows homeowners to tap into their home equity but with no monthly payments. For me, Midkey helped me to pay off outstanding debts, improve cashflow at a time of rising rates and attend to much needed home renovation. Without hesitation, I highly recommend Midkey for its innovative home loan products and incredible customer service."
Daniel - Balmain East, NSW
12 October 2023
"Midkey and Amanda are an amazing company to deal with, from start to finish. Amanda was professional. She explained everything about the product. If you are an older person nearing retirement and have equity in your home that you can’t access because the banks don’t want to know you, then this product could be for you. They worked with us from the beginning to achieve the end result we were after. Thank you Midkey for making our life so much better."
Denise D - Kirkham, NSW
12 September 2024
“Midkey and Amanda were superb. Midkey is meeting a gap in the market for home finance which the banks ignore older people with home equity. It is a national tragedy that people over 55 struggle to get housing finance, especially those that are self-employed including in the professions. Amanda was supremely helpful and pleasant and knowledgeable to deal with.”
Dr David Millhouse - Spring Hill, QLD
10 July 2024
"Amanda Hall, as the rep for Midkey, was nothing other than amazing to deal with. Not only is the product Midkey offers amazingly suitable for homeowners who have built up equity in their home, but their customer service is also incredible. Amanda listened to what we wanted to achieve from the process; clear debt and prepare for our upcoming wedding, and she made it happen in a seamless manner. I can't speak highly enough of Amanda and the product Midkey offer."
David - Labrador, QLD
17 June 2024
"My wife and I were at a loss as to how to afford our dream home, in a high-interest rate environment, being somewhat equity rich but cash poor. When a close friend introduced us to Midkey, we were delighted when Richard Young and Amanda Hall outlined how we could comfortably afford our dream home. Better still, without regular, ongoing repayments, but by accessing our home’s future equity uplift. It’s a modern, win-win product from a group of genuinely good people at a small, financially innovative company - Midkey. We’re sincerely grateful."
Stuart - Clontarf, NSW
2 December 2023
"Midkey provided an amazing financing solution that enabled us to use equity in our home to help improve our cashflow. Their process was easy and turnaround time amazing! Amanda Hall needs special mention."
Raja Ratnam - Cooks Hill, NSW
15 Jan 2024

What Midkey customers have to say

Frequently asked questions

Take a look at the most commonly asked questions.

It’s simple. We’re here to help, whenever you’re ready.
Take your time, we’ll be here with helpful tools whenever you’re ready to act.
Or call us on 1300 643 539. No pressure, just help.
It’s simple. We’re here to help,
whenever you’re ready.
Take your time, we’ll be here with helpful tools whenever you’re ready to act.
Or call us on 1300 643 539. No pressure, just help.
Start my journey
Start My Journey

Message us

Leave us a message and we'll be in touch within 2 business days.
Thanks for reaching out to Midkey!

One of our loan specialists will be in touch within 2 business days.
Oops! Something went wrong while submitting the form.
// this is for Scroll text radious