Midkey featured in Broker News: Helping mid-life Australians unlock home equity

After spending nearly two decades abroad, Richard Young returned home to his native Australia and noticed a striking trend: many mid-life Australians — even those with substantial home equity — were being overlooked in the nation's financial markets. Many in that age group were struggling to access their home equity without selling their properties.

That insight became the catalyst for Midkey, which Young launched in 2021 with fellow expat returnee Scott Collison. The duo now serve as co-founders and co-chief executive officers of the Sydney-based boutique lender.

Midkey specializes in helping homeowners unlock equity without selling, primarily through second mortgages, and operates across most Australian capital cities.

This article originally appeared in the Australian Broker “Spotlight Series” on 10 December, 2025. To read the full story, visit the Australian Broker site.