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Home equity release finance
is a solution for elderly people who are asset rich
but have declining disposable incomes
owing to the soaring cost of living.


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A number of factors are adding to the exorbitant cost of living, among them, increased rates and taxes, levies in Special Rate Association areas, increasing electricity fees, security and crime prevention measures, healthcare inflation, food prices, etc.

Plus, people are living longer and—with the improving quality of healthcare—this trend will accelerate.

For many retirees, fixed incomes simply don’t keep up with these increasing costs and many are compelled to sell their homes, “downsize” and move into complexes, or in with family members.

However—when surveyed by the American Association of Retired Persons (AARP)—90% of respondents said they would prefer to stay in their own homes as they age.

Retirement can be compromised and lifestyles negatively affected behind an ethos of “I’ll just keep working; I won’t treat myself; I can’t spend money on visiting my children and grandchildren.” A culture of deprivation, austerity and regret is likely to set in under such clouded thinking.


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Home equity release finance

Home equity release finance is an ideal solution for elderly people who are asset rich but have declining disposable incomes owing to the soaring cost of living.

Water Financial’s Freedom Finance converts “casa to cash” in the form of a financial support package known as home equity release finance.

Freedom Finance is a loan extended in the form of monthly payments to those over a certain age, with your residential property as security.

There are no monthly payments made for the rest of your life, affording you access to equity to maintain or enhance your quality of life.

What’s more, we can help you reduce costs, such as by utilizing solar panels, water saving devices and energy efficient appliances.


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Freedom Finance does not bind you to a permanent agreement, you still have the right to sell your home at any point and settle your loan, or you can vary the monthly amounts you receive (subject to the maximum that our rules allow), or cancel the loan agreement and repay the outstanding amount.

Home equity release finance is fully flexible: it’s your money and your asset.

We do require a mandatory annual visit to inspect the condition of your property, and we will sit together with you every 5 years to review your position, reassess and advise to maintain or alter your plan.

There will never be additional repayments, you will be immunised from external shocks and can keep living comfortably, uncompromised, for as long as you choose to, or for as long as you live. Treat yourself, your children and your grandchildren!


Water Financial | DiHyrO Finance (Pty) Ltd is a registered Credit Provider with the National Credit Regulator. Registration Number: NCRCP13085


If you would like further information,
please complete the following form
and a representative from Water Financial
will get back to you as soon as they can.




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