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li::before{position:absolute;left:0;font-size:1.6rem;background-color:#9d2a2a;mask-image:url('data:image/svg+xml;utf8,<svg xmlns="http://www.w3.org/2000/svg" height="24px" viewBox="0 0 24 24" width="24px"><path d="M0 0h24v24H0z" fill="none"/><path d="M12 2C6.47 2 2 6.47 2 12s4.47 10 10 10 10-4.47 10-10S17.53 2 12 2zm5 13.59L15.59 17 12 13.41 8.41 17 7 15.59 10.59 12 7 8.41 8.41 7 12 10.59 15.59 7 17 8.41 13.41 12 17 15.59z"/></svg>');-webkit-mask-image:url('data:image/svg+xml;utf8,<svg xmlns="http://www.w3.org/2000/svg" height="24px" viewBox="0 0 24 24" width="24px"><path d="M0 0h24v24H0z" fill="none"/><path d="M12 2C6.47 2 2 6.47 2 12s4.47 10 10 10 10-4.47 10-10S17.53 2 12 2zm5 13.59L15.59 17 12 13.41 8.41 17 7 15.59 10.59 12 7 8.41 8.41 7 12 10.59 15.59 7 17 8.41 13.41 12 17 15.59z"/></svg>');mask-size:contain;-webkit-mask-size:contain;mask-repeat:no-repeat;-webkit-mask-repeat:no-repeat}.hle-list[class*=number] li{padding-left:.4rem;position:relative;margin-left:1.8rem}.review-wrapper{display:flex;align-items:center;justify-content:center;padding:3.2rem 0 4rem}.review-wrapper.no-border .review-item{border:none}.review-wrapper.no-border .review-item:first-child{padding-left:0}.review-wrapper.no-border .review-item:last-child{padding-right:0}@media(max-width:767.98px){.review-wrapper{flex-direction:column;padding:2.8rem 0 2.4rem}.review-wrapper.no-border .review-item{padding:2rem 0}.review-wrapper.no-border .review-item:first-child{padding-top:0}.review-wrapper.no-border .review-item:last-child{padding-bottom:0}}.review-wrapper--seo{padding:0;margin-bottom:2.8rem}@media(min-width:992px){.review-wrapper--seo{margin-bottom:4rem}.review-wrapper--seo .review-item{padding:0}.review-count{white-space:nowrap}}.review-wrapper--row{margin-bottom:2.8rem;border-bottom:1px dashed #ddd}@media(min-width:768px){.review-wrapper--row{margin-bottom:4rem}}.review-item{width:33.33%;
16display:flex;align-items:center;justify-content:center;column-gap:1.2rem;border-left:1px dashed rgba(0,0,0,.2);border-right:1px dashed rgba(0,0,0,.2);padding:2rem 2.4rem}.review-item:first-child,.review-item:last-child{border:none;border:none}.review-item:first-child{padding-left:0}.review-item:last-child{padding-right:0}.review-logo{width:100%;height:auto;max-width:40px}@media(max-width:575.98px){.review-logo{max-width:24px}}.review-logo--svg{max-width:40px}.review-detail{display:flex;flex-direction:column;align-items:flex-start;row-gap:.5rem}@media(max-width:767.98px){.review-item{width:100%;column-gap:.6rem;padding:1.2rem 0;border-top:1px dashed rgba(0,0,0,.2);border-bottom:1px dashed rgba(0,0,0,.2);border-right:none;border-left:none}.review-item:first-child{padding-top:0}.review-item:last-child{padding-bottom:0}.review-detail{flex-direction:row;column-gap:.5rem;align-items:center}}.review-detail--column{flex-direction:column;align-items:flex-start}.review-count{margin-bottom:0}.review-star{width:auto;height:21px}@media(max-width:767.98px){.review-star{height:14px}}.top__banner-bar{position:fixed;top:0;width:100%;left:0;text-align:center;z-index:1050}.top__banner-bar p{margin:0;padding:10px 55px 10px 30px;color:#fff;font-size:15px}@media(max-width:575.98px){.top__banner-bar p{font-size:14px;line-height:1.25}}.top__banner-bar a{text-decoration:underline;color:#fff}.top__banner-bar svg{position:absolute;top:50%;right:15px;transform:translate(0,-50%);cursor:pointer;font-size:1.6rem;padding:0;color:#fff}body.menu-active .top__banner-bar{z-index:0;visibility:hidden}.scroll--top{text-decoration:none;display:inline-block;background-color:#fff;border:1px solid #27ade7;width:45px;height:45px;text-align:center;border-radius:50px;position:fixed;bottom:130px;right:30px;-webkit-transition:background-color .3s,opacity .5s,visibility .5s;-o-transition:background-color .3s,opacity .5s,visibility .5s;transition:background-color .3s,opacity .5s,visibility .5s;opacity:0;visibility:hidden;z-index:99;-webkit-box-shadow:0 1px 4px #888;box-shadow:0 1px 4px #888}.scroll--top::after{content:"";width:32px;height:32px;position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);background-image:url('data:image/svg+xml;charset=UTF-8,<svg xmlns="http://www.w3.org/2000/svg" height="24" viewBox="0 0 24 24" width="24"><path d="M0 0h24v24H0z" fill="none"/><path d="M12 8l-6 6 1.41 1.41L12 10.83l4.59 4.58L18 14z"/></svg>');background-size:contain;background-repeat:no-repeat;background-position:center;filter:invert(52%) sepia(62%) saturate(749%) hue-rotate(170deg) brightness(92%) contrast(91%)}.scroll--top:active,.scroll--top:hover{cursor:pointer;background-color:#27ade7}.scroll--top:active::after,.scroll--top:hover::after{filter:invert(100%) brightness(100%)}.scroll--top.show{opacity:1;visibility:visible}.breadcrumbs__menu{display:flex;flex-wrap:wrap;gap:.8rem;list-style:none;font-size:1.4rem;margin:3rem 0 4rem}.breadcrumbs__menu li{display:inline-flex;margin-bottom:0;gap:.8rem}.breadcrumbs__menu li a{font-size:1.4rem;color:#2d2d2d;text-decoration:none}.breadcrumbs__menu li a:hover{color:#1380af;transition:all .3s ease}.breadcrumbs__menu li.current-item{display:flex;align-items:center}.breadcrumbs__menu li.current-item a{cursor:unset;color:#1380af}.breadcrumbs__menu li+li:before{content:"";content:"";display:inline-block;width:16px;height:16px;background:url('data:image/svg+xml;charset=utf8,<svg xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16" fill="none"><g clip-path="url(%23clip0_3719_307)"><path d="M5.72665 11.06L8.77999 8L5.72665 4.94L6.66665 4L10.6667 8L6.66665 12L5.72665 11.06Z" fill="%232D2D2D"/></g><defs><clipPath id="clip0_3719_307"><rect width="16" height="16" fill="white"/></clipPath></defs></svg>') center center no-repeat;background-size:contain;padding:0;font-size:16px}.related-topic--list{display:flex;flex-direction:column;gap:2rem;justify-content:center}@media(min-width:768px){.related-topic--list{height:100%;gap:3rem;flex-direction:row;flex-wrap:wrap}}.related-topic--item{flex-basis:100%}@media(min-width:768px){.related-topic--item{flex-basis:calc(50% - 1.5rem)}}@media(min-width:992px){.related-topic--item{flex-basis:calc(33.33% - 2rem)}.section-related-topics{padding:8rem 0}}@media(max-width:767.98px){.breadcrumbs__menu{margin:3.2rem 0 2.4rem}.related-topic--item{display:none}.related-topic--item:nth-child(-n+3){display:block}}.related-topic--item .page-info--read-time{line-height:1;align-items:center;display:flex;font-size:1.4rem;column-gap:.4rem}.related-topic--item .page-info--read-time .icon{width:14px;
16height:14px}.related-topic--item svg.icon{height:24px;width:24px;margin-bottom:0}.related-topic--item .card__footer svg.icon{width:20px;height:20px}.related-topic--title br{display:none}.section-enquiry-banner{padding:5rem 0}.section-enquiry-banner .heading-title{margin-top:0;margin-bottom:1.2rem;text-align:center}@media(min-width:768px){.related-topic--item .page-info--read-time{font-size:1.6rem}.related-topic--item .page-info--read-time .icon{width:16px;height:16px}.related-topic--item svg.icon{height:40px;width:40px}.section-enquiry-banner{padding:8rem 0}.section-enquiry-banner .heading-title{margin-bottom:.8rem;text-align:left}}.section-enquiry-banner .sub-title{font-size:1.6rem;margin-bottom:3.2rem;text-align:center}@media(min-width:768px){.section-enquiry-banner .sub-title{margin-bottom:0;font-size:2rem;text-align:left}}.section .enquiry-action{display:flex;align-items:center;justify-content:center}.testimonial-list-wrapper{display:flex;align-items:center}.testimonial-list-wrapper.owl-carousel{margin:2.4rem 0 2rem}@media(min-width:768px){.testimonial-list-wrapper.owl-carousel{margin:3.2rem 0 4rem}}.testimonial-item{width:100%;border-radius:8px;border:1px solid rgba(221,221,221,.8666666667);background-color:#fff;min-height:200px}.testimonial-item.card{padding:2rem;margin-bottom:.1rem}.testimonial-testimony{display:flex;align-items:center;justify-content:flex-start;column-gap:.8rem}.testimonial-testimony--info{display:flex;align-items:flex-start;flex-direction:column;row-gap:.5rem}.testimonial-testimony--info .testimony-name{margin-bottom:0;font-size:1.6rem;font-weight:700;line-height:1.2}.testimonial-testimony--info .testimony-address{margin-bottom:0;font-size:1.4rem;line-height:1.2;color:#515151}.img-testimony{background-color:rgba(0,0,0,0);border-radius:50%;height:44px;width:44px;object-fit:cover;object-position:center}@media(max-width:767.98px){.testimonial-testimony--info .testimony-address{font-size:1.2rem}.img-testimony{width:32px;height:32px}.video_testimonial-video iframe{width:100%}}.heading--with-actions{display:flex;align-items:center;justify-content:space-between}.owl-carousel--nav{cursor:pointer;width:4rem;height:4rem;display:flex;align-items:center;justify-content:center;color:#1380af;border:1px solid #1380af;border-radius:50%;background-color:rgba(0,0,0,0);transition:.3s all ease}.owl-carousel--nav:focus,.owl-carousel--nav:focus-within,.owl-carousel--nav:hover{background-color:#1380af;color:#fff;transition:.3s all 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ease-in-out}.video_testimonial-btn svg{color:#fff;font-size:30px;border-radius:50%;z-index:2;transition:.2s all ease-in-out}.font-weight-normal{font-weight:400!important}body:has(.summary-popup--overlay.active),html:has(.summary-popup--overlay.active){overflow:hidden}.skeleton-line{height:2.4rem;border-radius:4px;background:linear-gradient(90deg,#f0f0f0 20%,#e0e0e0 40%,#f0f0f0 60%);background-size:200% 100%;animation:3s linear infinite skeleton-loading;margin:1.4rem 0}@keyframes skeleton-loading{0%{background-position:200% 0}100%{background-position:-200% 0}}.hide-skeleton{display:none}.section-newsletter{text-align:center;background-color:#f5f5f5}.section-newsletter h2{margin:0}.section-newsletter h2+p{font-size:2rem;line-height:26px;color:#2d2d2d;margin:12px 0 0;line-height:1.5}#subscription_form{margin-bottom:40px;position:relative;padding:0 50px!important;margin:0!important}@media(max-width:1199.98px){#subscription_form{padding:20px!important}}#subscription_form ._inline-form ._form-label{display:none!important}#subscription_form ._inline-form ._submit{padding:18px!important;margin:0!important;border:1px solid #27ade7!important;border-radius:0 8px 8px 0!important;background-color:#27ade7!important;color:#fff!important;text-transform:uppercase;font-family:"Open Sans",sans-serif;font-size:1.6rem}@media(max-width:767.98px){.section-newsletter h2+p{font-size:1.8rem}#subscription_form{padding:0!important}#subscription_form ._inline-form ._submit{padding:20px 14px!important;border-radius:8px!important}#subscription_form ._inline-style{padding:0!important}}@media(max-width:575.98px){.section-newsletter h2+p{font-size:1.6rem}#subscription_form ._inline-form ._submit{font-size:1.4rem;padding:14px!important}#subscription_form ._form-thank-you{font-size:1.6rem!important}}#subscription_form ._inline-style{width:100%!important;display:block!important;margin-top:0!important}#subscription_form ._inline-style ._button-wrapper{margin:0!important;flex-basis:35%}@media(max-width:1199.98px){#subscription_form ._inline-style ._button-wrapper{flex-basis:40%}}#subscription_form ._form_element{margin-bottom:0!important}#subscription_form ._form_element input[type=text]{padding:21px 18px 22px 50px!important;border-radius:8px 0 0 8px!important;width:100%!important;border-color:#ccc!important;color:#2d2d2d;font-family:"Open Sans",sans-serif;font-size:1.6rem;margin-bottom:0}#subscription_form ._form_element input[type=text]::placeholder{color:#2d2d2d;font-family:"Open Sans",sans-serif}#subscription_form ._form_element:before{content:"";width:22px;height:15px;
16background-image:var(--wpr-bg-d51f5eb7-87b2-4a58-9418-2471ed086f2e);background-size:cover;background-position:center;background-repeat:no-repeat;position:absolute;top:50%;left:20px;transform:translate(0,-50%);font-size:25px;z-index:99}#subscription_form ._form-content{display:flex;position:relative}@media(max-width:767.98px){#subscription_form ._inline-style ._button-wrapper{text-align:center;margin-top:20px!important}#subscription_form ._form_element input[type=text]{border-radius:8px!important;padding:18px 18px 18px 50px!important}#subscription_form ._form_element:before{width:20px}#subscription_form ._form-content{flex-direction:column;align-items:center}}#subscription_form ._form-thank-you{font-family:"Open Sans",sans-serif!important;color:#29ad2c;font-weight:800;margin-top:30px;background-color:rgba(41,173,44,.05);border:1px solid #29ad2c;padding:10px;border-left:none;border-right:none}.owl-custom-nav{display:flex;align-items:center;justify-content:flex-end;column-gap:1.6rem}.owl-carousel--nav{cursor:pointer;width:4rem;height:4rem;display:flex;align-items:center;justify-content:center;color:#1380af;border:1px solid #1380af;border-radius:50%;background-color:rgba(0,0,0,0)}.owl-carousel--nav:focus,.owl-carousel--nav:focus-within,.owl-carousel--nav:hover{background-color:#1380af;color:#fff}.owl-carousel--nav:focus .icon,.owl-carousel--nav:focus-within .icon,.owl-carousel--nav:hover .icon{fill:#fff}.owl-carousel--nav .icon{font-size:2.6rem}@media(max-width:767.98px){.owl-carousel--nav{width:2.8rem;height:2.8rem}.owl-carousel--nav .icon{font-size:1.8rem}}body::before{content:"";position:fixed;inset:0;background-color:rgba(0,0,0,.6);opacity:0;visibility:hidden;transition:opacity .3s ease,visibility .3s ease;z-index:999;pointer-events:none}.highlight-toc--list{list-style:none;margin:1.4rem 0}.highlight-toc--list li{font-size:1.6rem;margin-top:1.2rem;position:relative;padding-left:30px}@media(max-width:575.98px){.owl-custom-nav{column-gap:.8rem}.highlight-toc--list{margin:0 0 1.4rem}.highlight-toc--list li{font-size:1.4rem;margin-top:.8rem}}.highlight-toc--list li::before{content:url('data:image/svg+xml,<svg width="20" height="20" viewBox="0 0 20 20" fill="none" xmlns="http://www.w3.org/2000/svg"><mask id="mask0_7505_518" style="mask-type:alpha" maskUnits="userSpaceOnUse" x="0" y="0" width="20" height="20"><rect width="20" height="20" fill="%23D9D9D9"/></mask><g mask="url(%23mask0_7505_518)"><path d="M13.4798 10.8335H3.33398V9.16683H13.4798L8.81315 4.50016L10.0007 3.3335L16.6673 10.0002L10.0007 16.6668L8.81315 15.5002L13.4798 10.8335Z" fill="%231C1B1F"/></g></svg>');position:absolute;left:0}.highlight-toc--list li a{text-decoration:none;color:#2d2d2d}.highlight-toc--list li a:hover{color:#1380af}.highlight-toc--btn{padding:.8rem 3rem .8rem 1.6rem;font-size:1.4rem;color:#1380af;border-color:#1380af}.highlight-toc--btn:focus{box-shadow:none}.highlight-toc--btn:hover{background-color:#1380af}.highlight-toc--btn:hover .text:after{border-color:#fff}.highlight-toc--btn .text{position:relative}.highlight-toc--btn .text:after{content:"";display:inline-block;height:7px;width:7px;border-style:solid;border-color:#1380af;border-width:0 1px 1px 0;transform:rotate(45deg);transition:border-width 150ms ease-in-out;position:absolute;right:-16px;top:4px}.highlight-toc--btn.expanded .text:after{transform:rotate(225deg);top:8px}.hle-collapsible-container{margin-top:2rem}.hle-collapsible-container .collapsible-toggle-button{text-transform:uppercase;display:inline-flex;align-items:center;gap:4px;margin-bottom:1.6rem;font-weight:600}.tts-player{position:fixed;cursor:auto;bottom:20px;left:20px;width:300px;height:140px;padding:10px;z-index:10000000;border-radius:12px;background:#515151;box-shadow:0 4px 10px 0 rgba(0,0,0,.1),0 -2px 10px 0 rgba(0,0,0,.1);color:#fff;display:flex;flex-direction:column}@media(max-width:575.98px){.hle-collapsible-container .collapsible-toggle-button{text-transform:capitalize}.tts-player{width:calc(100% - 40px)}}.tts-player__header{display:flex;align-items:center;margin-bottom:15px}.tts-player__header-icon{fill:#fff;width:20px;height:20px;margin-right:10px;opacity:.8}.tts-player__title{font-size:1.8rem}@media(max-width:575.98px){.tts-player__title{font-size:1.6rem}}.tts-player__progress-container{margin-bottom:10px}.tts-player__progress-bar{--thumb-w:6px;width:100%;padding:0;margin:0;height:6px;--pct:0%;background:linear-gradient(to right,#27ade7 0,#27ade7 var(--pct),#9d9d9d var(--pct),#9d9d9d 100%)}.tts-player__progress-bar::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:6px;height:6px;border-radius:50%;background:#27ade7;margin-top:-1px;border:none}.tts-player__progress-bar::-moz-range-thumb{width:6px;height:6px;border-radius:50%;background:#27ade7;border:none}.tts-player__time-display{display:flex;justify-content:space-between;font-size:12px;color:#b0b0b0}
16.tts-player__controls-group{display:flex;align-items:center;justify-content:space-between}.tts-player__control-btn{background:0 0;border:none;color:#fff;cursor:pointer;padding:0;margin:0 5px 0 0;border-radius:50%;transition:background-color .2s,transform .1s;flex-shrink:0;display:flex;align-items:center;justify-content:center}.tts-player__control-btn:last-child{margin-right:0}.tts-player__control-btn:hover svg g,.tts-player__control-btn:hover svg path{fill:#fff;opacity:1}.tts-player__control-btn svg{fill:currentColor;width:20px;height:20px;opacity:.8}.tts-player__control-btn--icon-only{width:24px;height:24px}.tts-player__control-btn--icon-only svg{width:24px;height:24px}.tts-player__control-btn--large{background-color:#27ade7;width:40px;height:40px;border-radius:50%}.tts-player__control-btn--large:hover{background-color:#007bff;transform:scale(1.08)}.tts-player__control-btn--large.is-loading{background-color:rgba(0,0,0,0)!important}.tts-player__control-btn--large svg{width:28px;height:28px;fill:#fff;opacity:1}.tts-player__control-btn--rate{font-size:1.2rem;background-color:#f0f0f0;border-radius:20px;width:auto;padding:7px 16px;text-align:center;color:#000;font-family:"Open Sans",sans-serif}.tts-player__control-btn--rate:hover{background-color:#fff}.header{padding:0 2rem;background-color:#fff;position:fixed;width:100%;border-bottom:1px solid #e0e0e0;z-index:99;top:0}@media(min-width:992px){.header{padding:0 1.8rem}}@media(min-width:1458px){.header{padding:0 6rem}}@media(max-width:1600px)and (min-width:1458px){.header{padding:0 6rem 0 3.5rem}}.header-sticky{padding:1.2rem 2rem;width:100%;left:0;background-color:#fff;box-shadow:0 0 20px rgba(0,0,0,.2)}@media(min-width:992px){.header-sticky{padding:1.2rem 1.8rem}}.header-sticky .navbar-cta{transition:all .3s ease-in-out;-webkit-transition:.3s ease-in-out;-moz-transition:.3s ease-in-out;padding:1rem;font-size:1.4rem}.header-sticky .navbar-cta.navbar-cta--ph{transition:all .3s 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a{color:#eff8fc;font-size:1.6rem;line-height:1.35;padding:.6rem 0;text-decoration:none;font-weight:400}.footer-menu-item a:first-child{padding-top:0}@media(max-width:575.98px){.footer-address .content{font-size:1.4rem}.footer-menu--title{font-size:1.8rem}.footer-menu-item{margin-bottom:.6rem}.footer-menu-item a{font-size:1.4rem}}.footer-menu-item a:last-child{padding-bottom:0}.footer-menu-item a:hover{color:#fff}.list-social-media{margin:0;list-style:none;display:flex;column-gap:1.2rem}.list-social-media .list-link{border:1px solid #f2fbff;padding:.6rem;border-radius:50%;display:flex;align-items:center;justify-content:center;opacity:.7;height:28px;width:28px;cursor:pointer}
16.list-social-media .list-link svg path{fill:#f2fbff}.list-social-media .list-link:hover{opacity:1;background-color:#f2fbff;transition:.3s ease all}.list-social-media .list-link:hover svg path{fill:#1380af}.banner-card{display:flex;flex-direction:column;overflow:hidden;height:100%;color:#fff}@media(min-width:992px){.banner-card{margin-top:3rem;border-radius:2rem;flex-direction:row-reverse}}.banner-card:has(div.banner-block--rate){flex-direction:column-reverse}.banner-card--bg-secondary{color:#fff}.banner-card--bg-secondary .banner-block--content{background-color:#1380af}.banner-card--bg-secondary .banner-block--title{color:#fff}.banner-card--bg-secondary .banner-block--subtitle{color:#fff}.banner-card .banner-block{padding:3rem 2rem}.banner-card .banner-block--content{width:100%}.banner-card .banner-block--title{margin-bottom:1.2rem}.banner-card .banner-block--subtitle{display:block;margin-bottom:2.4rem;font-size:1.4rem;line-height:1.5}.banner-card 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.banner-block--info{display:flex;align-items:center;justify-content:space-between;font-size:1.6rem;margin-top:3.8rem}@media(max-width:991.98px){.banner-card .banner-block--info{margin-top:2.8rem}.section-banner--seo .container{padding:0}}.banner-card .banner-block--info .icon{font-size:1.6rem;margin-right:.8rem}.banner-card .banner-block--info .banner-block--info-right{display:flex;justify-content:space-between;align-items:center;gap:2rem;font-size:1.6rem}.banner-card .banner-block--info .banner-block--info-right .icon{margin-right:.4rem}.banner-card .banner-block--review{margin-top:1.6rem;row-gap:.8rem}.banner-block--subtitle{font-size:1.6rem;line-height:1.3;display:none}@media(min-width:576px){.banner-block--subtitle{margin-bottom:3.2rem;display:block;font-size:1.8rem}}.banner-block--title{font-size:3.6rem;line-height:1.2;margin-top:0}@media(min-width:992px){.banner-card 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.btn-grp{column-gap:.4rem}}.banner-block--review .review-count{font-size:1.4rem}@media(min-width:576px){.banner-block--review{align-items:center;margin-top:2.8rem;flex-flow:row}.banner-block--review .review-count{font-size:1.6rem}}.banner-block--review .review-rate{margin:0 5px}.section-banner--seo .row{height:100%}.section-banner--seo .col{height:100%}.page-info--read-time,.page-info--update-date{line-height:1;align-items:center;display:flex;font-size:1.4rem}.page-template-tpl-hle-redesign-seo-page .banner-card .banner-block--info{display:block}.eligibility-cta__field--error{border:1px solid #9d2a2a;border-radius:6px}.eligibility-cta__input-wrapper{display:flex;align-self:flex-start}.eligibility-cta-wrap.has-error .desktop-error{display:inline-block!important}.eligibility-cta-wrap.has-error .mobile-error{display:none!important}@media(max-width:575.98px){.eligibility-cta-wrap.has-error .mobile-error{display:block!important}.eligibility-cta-wrap.has-error 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0}._form ._error._below{z-index:9!important}.btn--listen-article{display:none!important}div.error{display:none!important}:root{--wp--preset--aspect-ratio--square:1;--wp--preset--aspect-ratio--4-3:4/3;--wp--preset--aspect-ratio--3-4:3/4;--wp--preset--aspect-ratio--3-2:3/2;--wp--preset--aspect-ratio--2-3:2/3;--wp--preset--aspect-ratio--16-9:16/9;--wp--preset--aspect-ratio--9-16:9/16;--wp--preset--color--black:#000000;--wp--preset--color--cyan-bluish-gray:#abb8c3;--wp--preset--color--white:#ffffff;--wp--preset--color--pale-pink:#f78da7;--wp--preset--color--vivid-red:#cf2e2e;--wp--preset--color--luminous-vivid-orange:#ff6900;--wp--preset--color--luminous-vivid-amber:#fcb900;--wp--preset--color--light-green-cyan:#7bdcb5;--wp--preset--color--vivid-green-cyan:#00d084;--wp--preset--color--pale-cyan-blue:#8ed1fc;
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370                              </svg> Updated: 17 Apr, 2025                           </div>                           <div class="page-info--read-time">
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373                              </svg>10 mins read
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416            <!-- Page Main Contents Start--><h2 id="retirement-age-borrowing-power-calculator">Retirement Age Borrowing Power Calculator</h2><p>Enter your details below and discover whether your exit strategy for a home loan will be acceptable to the bank.</p>
417<form method="POST" action="rabpcForm" id="rabpcSubmit" novalidate>
418	<div id="incontent-CTA" class="rabpc-calc calc-container multiPage">
419		<div id="1" class="nav-wrap rabpc-step-1">
420			<h2 class="text-center calc-heading"></h2>
421			<h3>LOAN DETAILS:</h3>
422			<div class="row">
423				<div class="col-md-6 col-sm-6 col-xs-12 input-cont">
424					<label>Loan amount:</label> 
425					<span class="tooltip-icon">? <span class="tooltip-text tooltip-text--sm">How much are you planning to borrow?</span> </span>
426					<div class="input-group">
427						<span class="input-group-addon">$</span><input id="rabpc-loan-amount" type="text" class="form-control num-val fieldval-0 rabpc-required" placeholder="0" tabindex="1" /> <!-- Modified classes here from old one -->
428					</div>
429				</div>
430
431				<div class="col-md-6 col-sm-6 col-xs-12 input-cont">
432					<label>Interest only period:</label>
433					<span class="tooltip-icon">? <span class="tooltip-text tooltip-text--sm">What is your interest only term?</span> </span>
434					<div class="input-group">
435						<input id="rabpc-iop" type="text" class="form-control fieldval-1 rabpc-required" placeholder="0" value="0" tabindex="2" />
436						<span class="input-group-addon">yrs</span>
437					</div>
438				</div>
439			</div>
440
441			<div class="row">
442				<div class="col-md-6 col-sm-6 col-xs-12 input-cont">
443					<label>Loan term:</label>
444					<span class="tooltip-icon">? <span class="tooltip-text tooltip-text--sm">Enter your home loan term in years.</span> </span>
445					<!-- First row first codes finished here -->
446
447					<div class="input-group">
448						<input data-value="term"  id="rabpc-loan-term" type="text" value="30" class="form-control fieldval-2 rabpc-required" placeholder="0" tabindex="3" />
449						<span class="input-group-addon">yrs</span>
450					</div>
451					<p id="valid-2" class="label label-danger hidden">N/A</p>
452				</div>
453				<div class="col-md-6 col-sm-6 col-xs-12 input-cont">
454					<label>Indicative interest rate:</label>
455					<span class="tooltip-icon">? <span class="tooltip-text tooltip-text--sm">The interest rate on your home loan.</span> </span>
456					<!-- First row first codes finished here -->
457					<div class="input-group">
458						<input id="rabpc-indicative-int-rate" type="text" class="form-control fieldval-6 rabpc-required" placeholder="0" tabindex="8" />
459						<span class="input-group-addon">%</span>
460					</div>
461					<p id="valid-7" class="label label-danger hidden">N/A</p>
462				</div>
463			</div>
464			<h3>BORROWER DETAILS:</h3>
465			<div class="row">
466				<div class="col-md-6 col-sm-6 col-xs-12 input-cont">
467					<label>Total annual salary of all borrowers:?</label> 
468					<span class="tooltip-icon">? <span class="tooltip-text tooltip-text--sm">This will be the gross income stipulated on your group certificate.</span> </span>	
469					<!-- First row first codes finished here -->
470					<div class="input-group">
471						<span class="input-group-addon">$</span><input id="rabpc-annual-salary" type="text" class="form-control num-val fieldval-3 rabpc-required" placeholder="0" tabindex="4" />
472					</div>
473					<p id="valid-3" class="label label-danger hidden">N/A</p>
474				</div>
475				<div class="col-md-6 col-sm-6 col-xs-12 input-cont">
476					<label>Current superannuation balance: </label> 
477					<span class="tooltip-icon">? <span class="tooltip-text tooltip-text--sm">This will be on your latest super or SMSF statement.</span> </span>	
478					<!-- Old calculator codes finished here -->
479					<div class="input-group">
480						<span class="input-group-addon">$</span><input id="rabpc-superannuation-balance" type="text" class="form-control num-val fieldval-4 rabpc-required" placeholder="0" tabindex="5" />
481					</div>
482					<p id="valid-4" class="label label-danger hidden">N/A</p>
483				</div>
484
485			</div>
486			<div class="row">
487				<div class="col-md-6 col-sm-6 col-xs-12 input-cont">
488					<label>Youngest borrower's age:</label>
489					<span class="tooltip-icon">? <span class="tooltip-text tooltip-text--sm">The age of the youngest borrower on the loan.</span> </span>
490					<!-- Old calculator codes finished here -->
491					<div class="input-group">
492						<input data-value="age" id="rabpc-borrower-age" type="text" class="form-control num-val fieldval-5 rabpc-required" placeholder="0" tabindex="6" />
493						<span class="input-group-addon">yrs old</span>
494					</div>
495					<p id="valid-5" class="label label-danger hidden">N/A</p>
496				</div>
497				<div class="col-md-6 col-sm-6 col-xs-12 input-cont">
498					<label>Youngest borrower's planned retirement age:</label> 
499					<span class="tooltip-icon">? <span class="tooltip-text tooltip-text--sm">Age that the youngest borrower will retire.</span> </span>	
500					<!-- Old calculator codes finished here -->
501					<div class="input-group">
502						<input id="rabpc-retirement-age" type="text" class="form-control num-val fieldval-6 rabpc-required" placeholder="0" tabindex="7" />
503						<span class="input-group-addon">yrs old</span>
504					</div>
505					<p id="valid-6" class="label label-danger hidden">N/A</p>
506				</div>
507			</div>
508			<div class="row justify-content-center">
509				<div class="col-md-offset-4 col-md-4 col-sm-4 col-xs-12">
510					<a id="rabpcViewResults" class="btn">CALCULATE</a>
511				</div>
512			</div>
513
514		</div>
515		<div id="NewResult" class="row row-res alert rabpc-alert hidden">
516			<!--Validation Warnings can be displayed here-->
517			<p>Please make sure you have filled out all the fields above.</p>
518		</div>
519	</div>
520	<!-- END CALCULATOR -->
521	<p class="calc-disc"><strong>Disclaimer:</strong> <em>This calculator can help you discover whether your exit strategy for a home loan will be acceptable to a bank. However, it only acts as general guidance as to the various eligibility criteria but does not constitute a determination of eligibility.</em></p>
522</form><h2 id="does-your-exit-strategy-stack-up">Does your exit strategy stack up?</h2><p>If you&#8217;re close to retirement age, lenders typically require you to provide an exit strategy for how you plan to pay off your home loan.</p>
523<p>The bank may knock back your home loan exit strategy if your plan is deemed high risk or unrealistic, or doesn&#8217;t otherwise meet te lender&#8217;s policy.</p>
524<p><strong>The solution:</strong></p>
525<ul class="hle-list">
526<li class="list-item list-item--check">Prepare a different strategy.</li>
527<li class="list-item list-item--check">Apply with another lender.</li>
528<p>Your exit strategy will depend on your asset position, income and retirement plans.</p>
529<p>We can help you choose a lender that will take a common sense approach to your situation and future plans.</p>
530<p>Speak with one of our mortgage brokers by calling us on <b><a href="tel:+61 2 9194 1700">1300 889 743</a></b> or by completing our <a href="/free-quote/" title="Enquire online for a free assessment">free online application form</a>.</p>
531<h2 id="what-is-a-mortgage-exit-strategy">What is a mortgage exit strategy?</h2><p>An exit strategy is effectively a backup mortgage repayment plan.</p>
532<p>Technically, all home loans have an exit strategy. It&#8217;s paying off the mortgage over 30 years. Lenders require you to provide an exit strategy only when the standard one doesn&#8217;t work.</p>
533<p>For example, many wharves in Sydney have luxury leasehold units in them. Since they&#8217;re over water, they have a 99-year leasehold title instead of a freehold torrens title.</p>
534<p>The lease may have only 20 years remaining at the time you buy it. In this case, lenders won&#8217;t accept a 30 year loan term. In most cases, the exit strategy is to shorten the loan term to be 5 years shorter than the remaining lease term.</p>
535<p>Development loans generally also require exit strategies. A property developer may 
535not afford to keep all of the units when the building is complete. So, the bank accepts an exit strategy of selling some or all of the units.</p>
536<hr>
537<h2 id="whats-considered-a-good-mortgage-exit-strategy">What's considered a good mortgage exit strategy?</h2><p><em>There&#8217;s no such thing as the best strategy! But you can aim to have the best mortgage exit strategy that suits you the most and still acceptable to the lender.</em></p>
538<p>Lenders commonly accept strategies that include:</p>
539<ul class="hle-list">
540<li class="list-item list-item--check"><strong>Reducing the loan term:</strong> This includes making sure your home loan is paid off before you retire. Please note that the retirement age varies from lender to lender.</li>
541<li class="list-item list-item--check"><strong>Downsizing your property:</strong> You can sell your home and move into a smaller property after you retire. However, some lenders may not accept this.</li>
542<li class="list-item list-item--check"><strong>Using your super fund:</strong> You can use a lump sum or ongoing income from your super fund to pay the loan after you retire. Some of our lenders accept a projection of your super and mortgage balance as evidence that you can repay the loan.</li>
543<li class="list-item list-item--check"><strong>Selling an investment asset:</strong> Sale of assets such as investment property or shares held are generally acceptable.</li>
544<li class="list-item list-item--check"><strong>Passive post-retirement income:</strong> Passive post-retirement income streams can be acceptable if they’re sufficient to service the loan after retirement. E.g. rental income, annuities, dividends etc.</li>
545</ul>
546<p>If your strategy doesn&#8217;t work, it may be better to avoid getting a mortgage. Apply only when you&#8217;re sure that you can afford making the mortgage repayments.</p>
547<p></p>
548<h2 id="what’s-considered-a-bad-exit-strategy">What’s considered a bad exit strategy?</h2><p>Generally, the following are usually not acceptable as an exit strategy for mature borrowers:</p>
549<ul class="blue-tick">
550<li class="list-item list-item--check">Inheritance;</li>
551<li class="list-item list-item--check">Projected income or superannuation balances;</li>
552<li class="list-item list-item--check">An anticipated Workers Compensation payout;</li>
553<li class="list-item list-item--check">An anticipated Family Law settlement;</li>
554<li class="list-item list-item--check">An anticipated employers bonus payment or wage increase;</li>
555<li class="list-item list-item--check">A sale of a business.</li>
556</ul>
557<p>However, there’s a lot of grey areas here. We’ve seen lenders make exceptions and approve people with exit strategies similar to these where we could provide evidence and their strategy made sense.</p>
558<hr>
559<h2 id="downsizing-as-an-exit-strategy">Downsizing as an exit strategy</h2><p>Downsizing to a smaller house when you reach the age of retirement is accepted by a few lenders as an exit strategy, however, not all do.</p>
560<p>Many of our customers have successfully used downsizing in combination with their super balance or investments to make it a solid plan.</p>
561<p>When using this strategy, you’ll need to provide details such as:</p>
562<ul class="hle-list">
563<li class="list-item list-item--check">Preferred suburb or neighbourhood;</li>
564<li class="list-item list-item--check">Preferred size of the property, i.e. downsizing from four bedrooms to a two bedroom unit;</li>
565<li class="list-item list-item--check">Price range etc.</li>
566</ul>
567<p>Please note that in cases, where you already live in a two-bedroom unit or smaller, it’s difficult to convince lenders that downsizing is a viable option. </p>
568<h2 id="exit-strategy-home-loan-templates">Exit strategy home loan templates</h2><p>Here are a couple of exit strategy home loan templates that demonstrate how downsizing can be utilised as an exit strategy. Both home loan exit strategy letter examples were approved by the lenders.</p>
569<ul class="hle-list">
570<li class="list-item list-item--check"><a href="/wp-content/uploads/2020/02/Exit-strategy-A_Redacted.pdf" title="Exit strategy example A" >Exit strategy home loan template 1:</a> Approved by Macquarie Bank</li>
571<li class="list-item list-item--check"><a href="/wp-content/uploads/2020/02/Exit-Strategy-B_Redacted.pdf" title="Exit strategy example B" >Exit strategy home loan template 2:</a> Approved by AMP Bank</li>
572</ul>
573<p></p>
574<h2 id="mortgage-exit-strategy-faqs">Mortgage exit strategy FAQs</h2><h3>Do investment properties need exit strategies?</h3>
575<p>You actually don&#8217;t need an exit strategy on an investment property. This is because you can sell it anytime without financial hardship.</p>
576<p>Under the <a href="/home-loan-articles/nccp-act/" title="What is the NCCP act?" >National Consumer Credit Protection (NCCP) act</a>, you&#8217;re considered to be in financial hardship only if you can&#8217;t pay off a mortgage without selling your home.</p>
577<p>However, some lenders don&#8217;t approve mortgages for <a href="/investment-loans/" title="How do lenders assess investment loan applications?" >investment properties</a> unless you provide an acceptable exit strategy.</p>
578<p>You can speak with a mortgage broker like us if your lender asks for an exit strategy for your investment loan. We&#8217;ll help you find a new lender.</p>
579<h3>What if I own a business?</h3>
580<p>If you&#8217;re a business owner, you may still be earning an income past the normal retirement age. This typically depends on whether or not:</p>
581<ul class="hle-list">
582<li class="list-item list-item--check">You&#8217;re required to do manual labour.</li>
583<li class="list-item list-item--check">You have a succession plan for management.</li>
584<li class="list-item list-item--check">It&#8217;s reasonable to assume that the business can continue to operate without you.</li>
585</ul>
586<p>We can present a case to some of our lenders to show that you can continue to make your mortgage repayments past the normal retirement age.</p>
587<h3>What documents do I need to provide with an exit strategy?</h3>
588<p>Depending on what exit strategies you use, you&#8217;ll have to provide different documents but generally you&#8217;ll need:</p>
589<ul class="hle-list">
590<li class="list-item list-item--check">Superfund statement</li>
591<li class="list-item list-item--check">Superannuation calculator to work out how much super you’ll have when you retire.</li>
592<li class="list-item list-item--check">Amortization calculator</li>
593<li class="list-item list-item--check">Letter from a financial planner</li>
594<li class="list-item list-item--check">Evidence of investment properties held</li>
595<li class="list-item list-item--check">Share portfolio statement</li>
596</ul>
597<hr>
598<h2 id="golden-tips-for-mature-borrower">Golden tips for mature borrower</h2><p>Professionally qualified and experienced mortgage brokers can help you prepare an acceptable exit strategy.</p>
599<p>Our mortgage brokers know and understand the policies of the major lenders. They are <a href="/our-team/" title="Check out our team of experienced credit specialists" >credit specialists</a> that know which banks have more lenient lending guidelines.</p>
600<p>You can call us on <b><a href="tel:+61 2 9194 1700">1300 889 743</a></b> or complete our <a href="/free-quote/" title="Enquire online for a free assessment today">free online assessment form</a>
600 and one of us will contact you to discuss your situation and loan needs.</p>
601<hr class="hidden-xs">
602<!-- FAQ schema code -->
602<script type="application/ld+json">{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What is a mortgage exit strategy?","acceptedAnswer":{"@type":"Answer","text":"An exit strategy is effectively a backup mortgage repayment plan.\n\nTechnically, all home loans have an exit strategy. It’s paying off the mortgage over 30 years. Lenders require you to provide an exit strategy only when the standard one doesn’t work.\n\nFor example, many wharves in Sydney have luxury leasehold units in them. Since they’re over water, they have a 99-year leasehold title instead of a freehold torrens title.\n\nThe lease may have only 20 years remaining at the time you buy it. In this case, lenders won’t accept a 30 year loan term. In most cases, the exit strategy is to shorten the loan term to be 5 years shorter than the remaining lease term.\n\nDevelopment loans generally also require exit strategies. A property developer may not afford to keep all of the units when the building is complete. So, the bank accepts an exit strategy of selling some or all of the units."}},{"@type":"Question","name":"What’s considered a good mortgage exit strategy?","acceptedA
602nswer":{"@type":"Answer","text":"<em>There’s no such thing as the best strategy! But you can aim to have the best mortgage exit strategy that suits you the most and still acceptable to the lender.</em>\n\nLenders commonly accept strategies that include:\n\n<ul>\n<li><strong>Reducing the loan term:</strong> This includes making sure your home loan is paid off before you retire. Please note that the retirement age varies from lender to lender.</li>\n<li><strong>Downsizing your property:</strong> You can sell your home and move into a smaller property after you retire. However, some lenders may not accept this.</li>\n<li><strong>Using your super fund:</strong> You can use a lump sum or ongoing income from your super fund to pay the loan after you retire. Some of our lenders accept a projection of your super and mortgage balance as evidence that you can repay the loan.</li>\n<li><strong>Selling an investment asset:</strong> Sale of assets such as investment property or shares held are generally acceptable.</li>\n<li><strong>Passive post-retirement income:</strong> Passive post-retirement income streams can be acceptable if they’re sufficient to service the loan after retirement. E.g. rental income, annuities, dividends etc.</li>\n</ul>\n\nIf your strategy doesn’t work, it may be better to avoid getting a mortgage. Apply only when you’re sure that you can afford making the mortgage repayments."}},{"@type":"Question","name":"What’s considered a bad exit strategy?","acceptedA
602nswer":{"@type":"Answer","text":"Generally, the following are usually not acceptable as an exit strategy for mature borrowers:\n\n<ul>\n<li>Inheritance;</li>\n<li>Projected income or superannuation balances;</li>\n<li>An anticipated Workers Compensation payout;</li>\n<li>An anticipated Family Law settlement;</li>\n<li>An anticipated employers bonus payment or wage increase;</li>\n<li>A sale of a business.</li>\n</ul>\n\nHowever, there’s a lot of grey areas here. We’ve seen lenders make exceptions and approve people with exit strategies similar to these where we could provide evidence and their strategy made sense."}},{"@type":"Question","name":"Do investment properties need exit strategies?","acceptedAnswer":{"@type":"Answer","text":"You actually don’t need an exit strategy on an investment property. This is because you can sell it anytime without financial hardship.\n\nUnder the <a href='/home-loan-articles/nccp-act/'>National Consumer Credit Protection (NCCP) act</a>, you’re considered to be in financial hardship only if you can’t pay off a mortgage without selling your home.\n\nHowever, some lenders don’t approve mortgages for <a href='/investment-loans/'>investment properties</a> unless you provide an acceptable exit strategy.\n\nYou can speak with a mortgage broker like us if your lender asks for an exit strategy for your investment loan. We’ll help you find a new lender."}},{"@type":"Question","name":"What if I own a business?","acceptedA
602nswer":{"@type":"Answer","text":"If you’re a business owner, you may still be earning an income past the normal retirement age. This typically depends on whether or not:\n\n<ul>\n<li>You're required to do manual labour.</li>\n<li>You have a succession plan for management.</li>\n<li>It's reasonable to assume that the business can continue to operate without you.</li>\n</ul>\n\nWe can present a case to some of our lenders to show that you can continue to make your mortgage repayments past the normal retirement age."}},{"@type":"Question","name":"What documents do I need to provide with an exit strategy?","acceptedAnswer":{"@type":"Answer","text":"Depending on what exit strategies you use, you’ll have to provide different documents but generally you’ll need:\n\n<ul>\n<li>Superfund statement</li>\n<li>Superannuation calculator to work out how much super you’ll have when you retire.</li>\n<li>Amortization calculator</li>\n<li>Letter from a financial planner</li>\n<li>Evidence of investment properties held</li>\n<li>Share portfolio statement</li>\n</ul>"}}]}</script>
602
603
604<!-- FAQ schema code --></p>
605<h2 id="who-can-help-me-prepare-a-mortgage-exit-strategy">Who can help me prepare a mortgage exit strategy?</h2><p>Professionally qualified and experienced mortgage brokers can help you prepare an acceptable exit strategy.</p>
606<p>Our mortgage brokers know and understand the policies of the major lenders. They are <a href="/our-team/" title="Check out our team of experienced credit specialists" >credit specialists</a> that know which banks have more lenient lending guidelines.</p>
607<p>You can call us on <b><a href="tel:+61 2 9194 1700">1300 889 743</a></b> or complete our <a href="/free-quote/" title="Enquire online for a free assessment today">free online assessment form</a> and one of us will contact you to discuss your situation and loan needs.</p>
608<hr class="hidden-xs">
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673													<p class="line-clamp line-clamp-2">The Reserve Bank of Australia (RBA) has kept the cash rate at 4.35% at its August 2026 meeting. Inflation remains too high, but the RBA says three rate rises this year are slowing the economy. Our experts explain what the decision means for borrowers.</p>
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693													<p class="line-clamp line-clamp-2">Australia’s latest inflation figures have sharply reduced the likelihood of another RBA rate rise in August. However, borrowers should not expect repayments to fall yet.</p>
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733													<p class="line-clamp line-clamp-2">Separated and hoping to keep the property? Learn how lenders assess whether you can refinance the mortgage, pay out your former partner and manage the new loan on your own.</p>
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787                  <p class="review-count"><strong>4.8</strong> out of <strong>430+</strong> reviews</p>
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812                  </svg>
813                  <p class="review-count"><strong>4.8</strong> out of <strong>1000+</strong> reviews</p>
814               </div>
815                    
816            </div>
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8420286L120.949 8.59613C120.981 8.62716 120.999 8.66963 121 8.71424L119 8.74074ZM119.519 7.43867C119.18 7.78672 118.994 8.25505 119 8.74074L121 8.71424C121.001 8.75884 120.983 8.80179 120.952 8.83366L119.519 7.43867ZM120.57 6.90474C120.166 6.96236 119.8 7.15234 119.522 7.43608L120.95 8.83625C120.926 8.86035 120.892 8.87896 120.853 8.88466L120.57 6.90474ZM127.163 5.947L120.567 6.90509L120.855 8.88431L127.45 7.92622L127.163 5.947ZM129.358 0.519653L126.41 6.49408L128.203 7.37913L131.151 1.4047L129.358 0.519653ZM131.811 -0.311062C130.905 -0.758451 129.81 -0.38465 129.36 0.514823L131.149 1.40953C131.109 1.48853 131.012 1.52479 130.926 1.48245L131.811 -0.311062ZM132.643 0.520534C132.465 0.158847 132.172 -0.133763 131.81 -0.311644L130.928 1.48303C130.893 1.46613 130.865 1.43836 130.848 1.40382L132.643 0.520534ZM135.591 6.49408L132.642 0.519652L130.849 1.4047L133.797 7.37913L135.591 6.49408Z" fill="#F6C13B" mask="url(#path-1-inside-1_4485_2909)"/>
843                  </svg>
844                  <p class="review-count"><strong>4.9</strong> out of <strong>2000+</strong> reviews</p>
845               </div>
846                  
847            </div>
848                                            
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850      </div>
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852         <div class="col">
853            <div class="heading--with-actions">
854               <div class="section__head">
855                     
856                        <h2 class="section__head--title mb-0">What <span class="text-highlight">Our Customers </span> Say  About Us  </h2>               </div>
857               <div class="owl-custom-nav" data-target="#custom-nav-carousel">
858                  <button class="owl-carousel--nav prev" role="button" type="button"title="Navigate testimonial left"><svg class="icon" xmlns="http://www.w3.org/2000/svg" height="24px" viewBox="0 0 24 24" width="24px" fill="#1380af"><path d="M0 0h24v24H0z" fill="none"/><path d="M15.41 7.41L14 6l-6 6 6 6 1.41-1.41L10.83 12z"/></svg></button>
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864                <div class="col">
865                    <div class="testimonial-list-wrapper  owl-carousel ">                            <div class="testimonial-item card card-testimonial">
866                                <div class="card__body">                                        <p class="testimonial-item-content">Made first home buying a breeze!I cannot thank Rob, Rabin and Nikhil enough.
867They made the process so simple and stress free, especially for a first home buyer.
868</p>                                </div>
869                                <div class="card__footer">
870                                    <div class="testimonial-testimony">                                            <img class="img-testimony img" src="https://www.homeloanexperts.com.au/wp-content/uploads/2024/04/90552398-6493-3792-bbec-cf576afc0aa6.webp" alt="" title="90552398-6493-3792-bbec-cf576afc0aa6" loading="lazy" height="59" width="59">                                            <div class="testimonial-testimony--info">                                                    <p class="testimony-name">Rhys W</p>                                                    <p class="testimony-address">Sydney </p>                                            </div>       
871                                    </div>
872                                </div>
873                            </div>                            <div class="testimonial-item card card-testimonial">
874                                <div class="card__body">                                        <p class="testimonial-item-content">Always there to answer all our queries and give us their professional advise as well. I definitely recommend them to anyone who is thinking of buying their first home.
875
876                        </p>                                </div>
877                                <div class="card__footer">
878                                    <div class="testimonial-testimony">                                            <img class="img-testimony img" src="https://www.homeloanexperts.com.au/wp-content/uploads/2024/04/44d623f8-f3bc-3689-951f-be4de224a565.webp" alt="" title="44d623f8-f3bc-3689-951f-be4de224a565" loading="lazy" height="59" width="59">                                            <div class="testimonial-testimony--info">                                                    <p class="testimony-name">Brandon</p>                                                    <p class="testimony-address">Greater Melbourne</p>                                            </div>       
879                                    </div>
880                                </div>
881                            </div>                            <div class="testimonial-item card card-testimonial">
882                                <div class="card__body">                                        <p class="testimonial-item-content">My partner and I approached Home Loan Experts for our first home loan. The whole process was incredibly efficie
882nt. 
883
884
885                        </p>                                </div>
886                                <div class="card__footer">
887                                    <div class="testimonial-testimony">                                            <img class="img-testimony img" src="https://www.homeloanexperts.com.au/wp-content/uploads/2024/04/101acad0-aa26-3f1a-af6f-bb770385ad84.webp" alt="" title="101acad0-aa26-3f1a-af6f-bb770385ad84" loading="lazy" height="59" width="59">                                            <div class="testimonial-testimony--info">                                                    <p class="testimony-name">LNL</p>                                                    <p class="testimony-address">Greater Melbourne </p>                                            </div>       
888                                    </div>
889                                </div>
890                            </div>                            <div class="testimonial-item card card-testimonial">
891                                <div class="card__body">                                        <p class="testimonial-item-content">Excellent service at every step, they organised a LMI free loan due to me being a registered nurse and they were able to secure us an excellent interest rate.
892</p>                                </div>
893                                <div class="card__footer">
894                                    <div class="testimonial-testimony">                                            <img class="img-testimony img" src="https://www.homeloanexperts.com.au/wp-content/uploads/2024/04/1635af53-1863-3f3e-ba18-2adc9076a71e.webp" alt="" title="1635af53-1863-3f3e-ba18-2adc9076a71e" loading="lazy" height="59" width="59">                                            <div class="testimonial-testimony--info">                                                    <p class="testimony-name">Jlittle</p>                                                    <p class="testimony-address">South East Queensland </p>                                            </div>       
895                                    </div>
896                                </div>
897                            </div>                            <div class="testimonial-item card card-testimonial">
898                                <div class="card__body">                                        <p class="testimonial-item-content">Thanks to Home loan experts, I realised that it was possible to in fact increase my existing borrowings up to 90% LVR for being a CPA on $150k+ income without having to pay an arm and a leg in LMI
899
900</p>                                </div>
901                                <div class="card__footer">
902                                    <div class="testimonial-testimony">                                            <img class="img-testimony img" src="https://www.homeloanexperts.com.au/wp-content/uploads/2024/04/85422bc3-ca2b-3d7c-9985-6daede5b60a0.webp" alt="" title="85422bc3-ca2b-3d7c-9985-6daede5b60a0" loading="lazy" height="59" width="59">                                            <div class="testimonial-testimony--info">                                                    <p class="testimony-name">R.M </p>                                            </div>       
903                                    </div>
904                                </div>
905                            </div>                            <div class="testimonial-item card card-testimonial">
906                                <div class="card__body">                                        <p class="testimonial-item-content">I have very good experience, always received prompt responses during the stage construction loan process.
907
908</p>                                </div>
909                                <div class="card__footer">
910                                    <div class="testimonial-testimony">                                            <img class="img-testimony img" src="https://www.homeloanexperts.com.au/wp-content/uploads/2024/04/06fd027c-d8e7-30a5-a604-d63fd04a6c74.webp" alt="" title="06fd027c-d8e7-30a5-a604-d63fd04a6c74" loading="lazy" height="59" width="59">                                            <div class="testimonial-testimony--info">                                                    <p class="testimony-name">Hussnain M </p>                                            </div>       
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1127                              <div class="footer-address-item">
1128                  <a href="https://www.google.com/maps/place/Home+Loan+Experts/@-33.8325483,151.0869877,18.04z/data=!4m5!3m4!1s0x0:0x97025cb6de2ae9ad!8m2!3d-33.8333!4d151.085962" class="address-item">
1129   <h6 class="title"><svg class="icon" xmlns="http://www.w3.org/2000/svg" width="21" height="21" viewBox="0 0 21 21" fill="none">
1130<g clip-path="url(#clip0_3719_865)">
1131<path d="M10.5 2.1665C7.27499 2.1665 4.66666 4.77484 4.66666 7.99984C4.66666 12.3748 10.5 18.8332 10.5 18.8332C10.5 18.8332 16.3333 12.3748 16.3333 7.99984C16.3333 4.77484 13.725 2.1665 10.5 2.1665ZM10.5 10.0832C9.34999 10.0832 8.41666 9.14984 8.41666 7.99984C8.41666 6.84984 9.34999 5.9165 10.5 5.9165C11.65 5.9165 12.5833 6.84984 12.5833 7.99984C12.5833 9.14984 11.65 10.0832 10.5 10.0832Z" fill="#1380AF"/>
1132</g>
1133<defs>
1134<clipPath id="clip0_3719_865">
1135<rect width="20" height="20" fill="white" transform="translate(0.5 0.5)"/>
1136</clipPath>
1137</defs>
1138</svg>Head office location</h6>
1139   <p href="" class="content">Suite 207, 3 Rider Boulevard Rhodes NSW 2138</p>
1140</a>               </div>
1141                              <div class="footer-address-item">
1142                  <a href="https://goo.gl/maps/KapJSzsiuHYrXLqY9" class="address-item">
1143   <h6 class="title"><svg class="icon" xmlns="http://www.w3.org/2000/svg" width="21" height="21" viewBox="0 0 21 21" fill="none">
1144<g clip-path="url(#clip0_3719_831)">
1145<path d="M7.30833 5.25L1.33333 9.23333V18H5.5V11.3333H8.83333V18H13V9.04167L7.30833 5.25Z" fill="#1380AF"/>
1146<path d="M8.83333 3V4.25833L10.5 5.36667L11.9417 6.33333H13V7.04167L14.6667 8.15833V9.66667H16.3333V11.3333H14.6667V13H16.3333V14.6667H14.6667V18H19.6667V3H8.83333ZM16.3333 8H14.6667V6.33333H16.3333V8Z" fill="#1380AF"/>
1147</g>
1148<defs>
1149<clipPath id="clip0_3719_831">
1150<rect width="20" height="20" fill="white" transform="translate(0.5 0.5)"/>
1151</clipPath>
1152</defs>
1153</svg>Branch office location</h6>
1154     <p class="content">Suite 1, Level 1, 120 Erina Street, Gosford 2250</p>
1155</a>               </div>
1156                              <div class="footer-address-item">
1157                  <h6 class="title"><svg class="icon" xmlns="http://www.w3.org/2000/svg" height="20px" viewBox="0 0 24 24" width="20px" fill="#1380af"><path d="M-618-3000H782V600H-618zM0 0h24v24H0z" fill="none"/><path d="M20 6H10v6H8V4h6V0H6v6H4c-1.1 0-2 .9-2 2v12c0 1.1.9 2 2 2h16c1.1 0 2-.9 2-2V8c0-1.1-.9-2-2-2z"/></svg> Mailing Address</h6> <p class="content">PO Box 3726 Rhodes <br/>NSW 2138</p>               </div>
1158                              <div class="footer-address-item">
1159                  <h6 class="title"><svg class="icon" xmlns="http://www.w3.org/2000/svg" enable-background="new 0 0 24 24" height="20px" viewBox="0 0 24 24" width="20px" fill="#1380af"><g><rect fill="none" height="24" width="24"/></g><g><g><g><path d="M12,2C6.5,2,2,6.5,2,12s4.5,10,10,10s10-4.5,10-10S17.5,2,12,2z M16.2,16.2L11,13V7h1.5v5.2l4.5,2.7L16.2,16.2z"/></g></g></g></svg>Opening Hours</h6><p class="content">Monday - Friday<br>8:00 AM - 6:00 PM</p>               </div>
1160                           </div>
1161                        <div class="footer-address--bottom"><a href="tel: 1300 889 743" class="content-contact" title="Local Phone Number"> <svg class="icon" xmlns="http://www.w3.org/2000/svg" height="24px" viewBox="0 0 24 24" width="24px" fill="#1380af"><path d="M0 0h24v24H0z" fill="none"/><path d="M6.62 10.79c1.44 2.83 3.76 5.14 6.59 6.59l2.2-2.2c.27-.27.
116167-.36 1.02-.24 1.12.37 2.33.57 3.57.57.55 0 1 .45 1 1V20c0 .55-.45 1-1 1-9.39 0-17-7.61-17-17 0-.55.45-1 1-1h3.5c.55 0 1 .45 1 1 0 1.25.2 2.45.57 3.57.11.35.03.74-.25 1.02l-2.2 2.2z"/></svg><strong>Local:</strong>&nbsp; 1300 889 743</a><a class="content-contact" href="tel: +61 2 9194 1700" title="Overseas Phone Number"><svg class="icon" xmlns="http://www.w3.org/2000/svg" height="24px" viewBox="0 0 24 24" width="24px" fill="#1380af"><path d="M0 0h24v24H0z" fill="none"/><path d="M11.99 2C6.47 2 2 6.48 2 12s4.47 10 9.99 10C17.52 22 22 17.52 22 12S17.52 2 11.99 2zm6.93 6h-2.95c-.32-1.25-.78-2.45-1.38-3.56 1.84.63 3.37 1.91 4.33 3.56zM12 4.04c.83 1.2 1.48 2.53 1.91 3.96h-3.82c.43-1.43 1.08-2.76 1.91-3.96zM4.26 14C4.1 13.36 4 12.69 4 12s.1-1.36.26-2h3.38c-.08.66-.14 1.32-.14 2 0 .68.06 1.34.14 2H4.26zm.82 2h2.95c.32 1.25.78 2.45 1.38 3.56-1.84-.63-3.37-1.9-4.33-3.56zm2.95-8H5.08c.96-1.66 2.49-2.93 4.33-3.56C8.81 5.55 8.35 6.75 8.03 8zM12 19.96c-.83-1.2-1.48-2.53-1.91-3.96h3.82c-.43 1.43-1.08 2.76-1.91 3.96zM14.34 14H9.66c-.09-.66-.16-1.32-.16-2 0-.68.07-1.35.16-2h4.68c.09.65.16 1.32.16 2 0 .68-.07 1.34-.16 2zm.25 5.56c.6-1.11 1.06-2.31 1.38-3.56h2.95c-.96 1.65-2.49 2.93-4.33 3.56zM16.36 14c.08-.66.14-1.32.14-2 0-.68-.06-1.34-.14-2h3.38c.16.64.26 1.31.26 2s-.1 1.36-.26 2h-3.38z"/></svg><strong>Overseas: </strong>&nbsp; +61 2 9194 1700</a><p class="content-contact fax"> <svg class="icon" xmlns="http://www.w3.org/2000/svg" width="21" height="20" viewBox="0 0 21 20" fill="none">
1162                       <g clip-path="url(#clip0_3719_857)">
1163                       <path d="M16.3333 6.66667H4.66666C3.28333 6.66667 2.16666 7.78333 2.16666 9.16667V14.1667H5.5V17.5
1163H15.5V14.1667H18.8333V9.16667C18.8333 7.78333 17.7167 6.66667 16.3333 6.66667ZM13.8333 15.8333H7.16666V11.6667H13.8333V15.8333ZM16.3333 10C15.875 10 15.5 9.625 15.5 9.16667C15.5 8.70833 15.875 8.33333 16.3333 8.33333C16.7917 8.33333 17.1667 8.70833 17.1667 9.16667C17.1667 9.625 16.7917 10 16.3333 10ZM15.5 2.5H5.5V5.83333H15.5V2.5Z" fill="#1380AF"/>
1164                       </g>
1165                       <defs>
1166                       <clipPath id="clip0_3719_857">
1167                       <rect width="20" height="20" fill="white" transform="translate(0.5)"/>
1168                       </clipPath>
1169                       </defs>
1170                       </svg><strong>Fax: </strong>&nbsp; +61 2 9475 4466</p><a class="content-contact" href="mailto:[email protected]" title ="Email for Information"><svg class="icon" xmlns="http://www.w3.org/2000/svg" width="21" height="20" viewBox="0 0 21 20" fill="none">
1171                       <g clip-path="url(#clip0_3719_875)">
1172                       <path d="M17.1667 3.3335H3.83332C2.91666 3.3335 2.17499 4.0835 2.17499 5.00016L2.16666 15.0002C2.16666 15.9168 2.91666 16.6668 3.83332 16.6668H17.1667C18.0833 16.6668 18.8333 15.9168 18.8333 15.0002V5.00016C18.8333 4.0835 18.0833 3.3335 17.1667 3.3335ZM17.1667 6.66683L10.5 10.8335L3.83332 6.66683V5.00016L10.5 9.16683L17.1667 5.00016V6.66683Z" fill="#1380AF"/>
1173                       </g>
1174                       <defs>
1175                       <clipPath id="clip0_3719_875">
1176                       <rect width="20" height="20" fill="white" transform="translate(0.5)"/>
1177                       </clipPath>
1178                       </defs>
1179                       </svg>[email protected]</a>            </div>
1180                     </div>
1181      </div>
1182   </div>
1183      <div class="footer-bottom">
1184      <div class="container">
1185         <div class="row">
1186                        <div class="col-md-6">
1187               <p class="footer-copy">© 2026 Home Loan Experts Pty Ltd | Credit Representative 540270 is authorised under Australian Credit Licence Number 383528 | ABN: 80 648 606 464</p>
1188            </div>
1189                        <div class="col-md-6">
1190               <ul class="list-social-media">
1191                                    <li class="list-item">
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1225                  </li>
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