REVERSE MORTGAGE SPECIALISTS · VICTORIA

Senior Australians guided

All Aus.

Reverse Mortgages Victoria was built on a simple belief: that Australians approaching retirement deserve honest, expert, face-to-face advice from someone who genuinely understands their situation - not a call centre, not a sales script, and not a one-size-fits-all product.

Since 2002, that belief has guided everything we do.

About Us

Our Story

A specialist path, chosen early and never left

Paul entered the mortgage industry in 1999. Within a few years, he saw what others were slow to: that Australia's ageing population would need a different kind of solution, one that let people stay in their homes and access the wealth they'd spent a lifetime building, without monthly repayments.


In 2002, he made reverse mortgages his sole focus. It demanded deep knowledge of a complex field, not just the products, but the whole retirement landscape: the age pension, aged care, estate planning, and the very human concerns that come with planning for later life.

What began as a one-person practice has grown, over 23 years, into a small, dedicated team driven by the same values. The business has never chased volume. Every client gets Paul's personal attention, and every recommendation is made only when it's genuinely right for that person.


Today, Reverse Mortgages Victoria is one of the most experienced specialist reverse mortgage brokerages in Australia. Paul is trusted not just by clients, but by lenders, brokers and financial advisers who refer their own clients when they need someone reliable.

1999

Paul begins his career in the mortgage industry.

2002

Reverse mortgages become his sole focus.

Today

A small, dedicated team, and one of the most experienced specialist brokerages in Australia.

1999

Paul begins his career in the mortgage industry.

2002

Reverse mortgages become his sole focus.

Today

A small, dedicated team, and one of the most experienced specialist brokerages in Australia.

Our Story

A specialist path, chosen early and never left

Paul entered the mortgage industry in 1999. Within a few years, he saw what others were slow to: that Australia's ageing population would need a different kind of solution, one that let people stay in their homes and access the wealth they'd spent a lifetime building, without monthly repayments.

In 2002, he made reverse mortgages his sole focus. It demanded deep knowledge of a complex field, not just the products, but the whole retirement landscape: the age pension, aged care, estate planning, and the very human concerns that come with planning for later life.


What began as a one-person practice has grown, over 23 years, into a small, dedicated team driven by the same values. The business has never chased volume. Every client gets Paul's personal attention, and every recommendation is made only when it's genuinely right for that person.


Today, Reverse Mortgages Victoria is one of the most experienced specialist reverse mortgage brokerages in Australia. Paul is trusted not just by clients, but by lenders, brokers and financial advisers who refer their own clients when they need someone reliable.

“If a reverse mortgage isn’t the right solution, we’ll say so. Our obligation is always to the client – not the transaction.”

- Paul Dwyer, Founder

1999

Paul begins his career in the mortgage industry.

2002

Reverse mortgages become his sole focus.

Today

A small, dedicated team, and one of the most experienced specialist brokerages in Australia.

Paul Dwyer
Founder

30+ years in retirement lending

Accredited and locally based in Victoria.

Meet THE TEAM

We'll come to your kitchen table

Paul entered the mortgage industry in 1999. Within a few years, he saw what others were slow to: that Australia's ageing population would need a different kind of solution, one that let people stay in their homes and access the wealth they'd spent a lifetime building, without monthly repayments.

In 2002, he made reverse mortgages his sole focus. It demanded deep knowledge of a complex field, not just the products, but the whole retirement landscape: the age pension, aged care, estate planning, and the very human concerns that come with planning for later life.


What began as a one-person practice has grown, over 23 years, into a small, dedicated team driven by the same values. The business has never chased volume. Every client gets Paul's personal attention, and every recommendation is made only when it's genuinely right for that person.


Today, Reverse Mortgages Victoria is one of the most experienced specialist reverse mortgage brokerages in Australia. Paul is trusted not just by clients, but by lenders, brokers and financial advisers who refer their own clients when they need someone reliable.

Paul entered the mortgage industry in 1999. Within a few years, he saw what others were slow to: that Australia's ageing population would need a different kind of solution, one that let people stay in their homes and access the wealth they'd spent a lifetime building, without monthly repayments.


In 2002, he made reverse mortgages his sole focus. It demanded deep knowledge of a complex field, not just the products, but the whole retirement landscape: the age pension, aged care, estate planning, and the very human concerns that come with planning for later life.

What began as a one-person practice has grown, over 23 years, into a small, dedicated team driven by the same values. The business has never chased volume. Every client gets Paul's personal attention, and every recommendation is made only when it's genuinely right for that person.


Today, Reverse Mortgages Victoria is one of the most experienced specialist reverse mortgage brokerages in Australia. Paul is trusted not just by clients, but by lenders, brokers and financial advisers who refer their own clients when they need someone reliable.

“If a reverse mortgage isn’t the right solution, we’ll say so. Our obligation is always to the client – not the transaction.”

- Paul Dwyer, Founder

Credentials & Recognition at a Glance

On the record

Experience

In the mortgage industry since 1999, specialising exclusively in reverse mortgages since 2002. Over two decades helping thousands of older Victorians.

Qualifications

Diploma in Financial Services (Mortgage Broking). Australian Credit Licence, issued by ASIC.

Industry recognition

Member, Finance Brokers Association of Australia (FBAA). Member, FBAA Subcommittee for Equity Release. Contributor to ministerial discussions on aged care policy. Recognised specialist by all six lenders in the Australian reverse mortgage market.

Best interest duties

As a licensed credit broker, Paul is legally bound to act in your best interests. If a reverse mortgage isn't right for you, he'll tell you.

Justice of the Peace

A serving Justice of the Peace in Victoria, reflecting a long-standing commitment to his community.

Published & cited

Regular contributor on seniors' finance, reverse mortgages and aged care for media outlets and industry publications.

No call centre and no one-size-fits-all approach. Paul or one of his specialist advisers will come to you (within Greater Melbourne region), meeting face-to-face in your own home to find the right path forward, or to tell you honestly if a reverse mortgage isn't it.

What is a reverse mortgage?

How does a loan facility work for existing borrowers?

Set up a line of credit and draw funds only as you need them, so money is on hand for whenever life calls for it. Covering future or unexpected costs.

Best for:

  • Covering future or unexpected costs
  • Drawing funds at your own pace
  • Reassurance of being able to cover unexpected costs
Learn More Speak to a Expert

What We Believe

After more than two decades in this field, some things have never changed. These are the principles that guide everything we do at Reverse Mortgages Victoria.

Every client is an individual

What we believe

After more than 23 years in this field, some things have never changed. These are the principles that guide everything we do at Reverse Mortgages Victoria.

Your best interests come first. Always.

Paul is legally bound by best interest duties, but it's how he has always worked, long before it became a requirement. If a reverse mortgage isn't right for you, he'll tell you.

Honesty is non-negotiable.

We won't tell you what you want to hear if it isn't true. You deserve straight answers, clear explanations and advice you can trust. No jargon, no hidden complexity, no rushing.

Every client is an individual

No two retirements are the same. We take the time to understand your full picture, your age, property, pension, family and goals, before making any recommendation.

The conversation goes beyond the loan

A reverse mortgage intersects with your age pension, future care needs, your estate and the people who matter most. We'll connect you with the right professionals when specialist advice beyond our scope is needed.

Personal service is not optional

Paul and his team meets clients in their own homes across Greater Melbourne, because a decision this important deserves to happen in person. Not over the phone. Not through a form.

Our team

Reverse Mortgages Victoria has grown from Paul’s one-person practice into a small, carefully assembled team - brought together to ensure that every client receives the same quality of attention and care that has always defined the business.

Paul Dwyer - Founder
Paul Dwyer - Founder
Paul Dwyer - Founder

Since 2002, Paul Dwyer has helped more than 2,000 Australians use their home equity to support their retirement goals.


With more than 23 years of reverse mortgage experience, Paul and his team provide personal, straightforward advice without the call-centre approach of many lenders and brokers.

Contact Us
Jacci Bristow - Broker
Jacci Bristow - Broker
Jacci Bristow - Broker

Jacci is a Reverse Mortgage Broker with Reverse Mortgages Victoria, helping older Australians understand how they can safely access the equity they’ve built in their homes. With a warm, down-to-earth approach, she takes the time to understand each client’s circumstances, goals and what matters most to them and their family.


Jacci guides clients through the entire process, from assessing loan suitability and comparing options through to application and settlement.


Her focus is on making reverse mortgages clear and straightforward, so clients can understand their options and make informed decisions about their financial future.

Contact Us

Since 2002, Paul Dwyer has helped more than 2,000 Australians use their home equity to support their retirement goals.


With more than 23 years of reverse mortgage experience, Paul and his team provide personal, straightforward advice without the call-centre approach of many lenders and brokers.


  • 23+ years specialising in reverse mortgages
  • More than 2,000 borrowers assisted
  • Face-to-face appointments in the comfort of your own home across Greater Melbourne
  • Advice tailored to your retirement goals, lifestyle and financial position
  • Consideration of your family, future care needs and long-term plans
  • Clear, reliable advice focused on finding the right solution for you


It’s a personal approach designed to make what can feel like a complex financial decision simpler, clearer and more comfortable.

Compliance & consumer protections

  • Australian Credit Licence

    Reverse Mortgages Victoria is a trading entity of Team Australia Mortgage Solutions Pty Ltd and holds an Australian Credit Licence (ACL 387310) issued by the Australian Securities and Investments Commission (ASIC). This licence authorises us to provide credit assistance and is subject to ongoing compliance obligations, including responsible lending requirements and best interest duties.

  • Best Interest Duties

    As a licensed credit broker, RMV is legally required to act in the best interests of each client. This means that any recommendation made must be genuinely suited to your circumstances and that it cannot recommend a product simply because it is available or profitable to do so.

  • No Negative Equity Guarantee

    All reverse mortgage products available in Australia carry a No Negative Equity Guarantee, which has been a legal requirement since 2012. This means you will never owe more than the value of your home, regardless of how the loan balance grows over time or what happens to property values. Your home protects you.

  • Independent Legal Advice

    Independent legal advice is a mandatory requirement for all borrowers once a reverse mortgage application is approved. This is a consumer protection measure designed to ensure that every borrower fully understands the terms of their loan before proceeding. RMV will guide you through what to expect from this process.

  • You Remain on Title

    A reverse mortgage does not transfer ownership of your home. You remain on the title throughout the life of the loan. The loan is repaid when the last borrower permanently leaves the property - typically through the sale of the home.

  • Access to All Lenders

    As an independent broker, Reverse Mortgages Victoria is not tied to any single lender. We compare products across all six lenders currently operating in the Victorian reverse mortgage market, which means our recommendations are based on what is right for you - not on a preferred lender relationship.

  • FBAA Membership

    Paul is a member of the Finance Brokers Association of Australia (FBAA), including its Subcommittee for Equity Release. FBAA membership requires adherence to a professional code of conduct and supports ongoing professional development in the mortgage broking industry.

Can’t find the answer you’re looking for?

Ready to talk it through, in your own home?

No call centre and no pressure. Paul or one of his specialist advisers will come to you across the Greater Melbourne region, or you are welcome to phone or email first if you would prefer. Either way, you will get an honest answer on whether a reverse mortgage is right for you.