The Starts at 60 Group has taken a major step to help older Australians navigate retirement finances, announcing the establishment of Money At 60.
The first initiative is a specialist reverse mortgage broker providing expert guidance on accessing home equity.
The new business, currently completing its regulatory authorisation process, will operate as a dedicated financial services subsidiary of Starts at 60, giving the community of nearly one million active users access to trusted advice on a key retirement funding option. Once authorised as a Credit Representative under an Australian Credit Licence, Money At 60 will offer independent reverse mortgage broking to help retirees unlock the value of their homes for a more comfortable and secure retirement.
Chris Moutzikis, Co-Founder and Chief Executive of Money At 60, will also serve as Principal Retirement Funding Specialist. Moutzikis brings more than three decades of experience in banking, wealth management, and retirement funding, including extensive expertise in the reverse mortgage sector. He is widely recognised as one of the most knowledgeable practitioners in Australia, having developed his skills with leading equity release lenders.
“With Money At 60, we are providing older Australians access to independent, expert advice at a time when financial literacy and confidence are crucial,” Moutzikis said. “The family home is often the most significant asset a retiree owns, and many are unsure how to access it safely to fund retirement without compromising security or lifestyle.”
Australia is currently facing a growing retirement funding challenge. Slightly over 8 million Australians are aged 55 and older, representing around 25 per cent of the population. Many enter retirement asset-rich but cash-poor: homes have appreciated dramatically, yet superannuation balances often fall short of supporting decades of living expenses. Rising healthcare, insurance, and living costs add further pressure, leaving many retirees unable to access their wealth.
The Home Equity Access Scheme (HEAS), a government-backed loan program, highlights the growing interest in home equity release. Participation has reportedly tripiled since 2020, reflecting rising awareness of reverse mortgages as a viable tool for retirement funding. The private sector is also experiencing strong momentum with several new lenders entering the market in 2026, providing consumers with additional alternatives as to how they can manage their household wealth.
Despite this growth, many retirees remain hesitant to engage with reverse mortgages, due in part to memories of poorly regulated products in the 1980s and 1990s. Today’s reverse mortgages carry strict consumer protections, including the No Negative Equity Guarantee and legal and financial safeguards. Yet confidence remains a barrier — one that Money At 60 aims to address through education, independence, and transparency.
As a broker, Money At 60 does not manufacture products or favour any particular lender. Instead, the business works with a panel of Australia’s leading reverse mortgage lenders, ensuring recommendations are driven solely by the client’s needs. We emphasise family-inclusive discussions, structured education before product conversations, and a no-pressure approach, helping retirees make informed decisions that suit their circumstances.
Money At 60 represents a significant evolution in retirement funding support, combining the credibility of Starts at 60’s trusted community with the expertise of a dedicated, independent reverse mortgage advisory service. With Chris Moutzikis at the helm, senior Australians will soon have a resource designed to navigate one of the most consequential financial decisions of later life.
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