Midkey

Midkey is Australia’s first "no monthly payments" loan for responsible borrowers of all ages (18+). Borrowers looking for financial freedom can unlock their equity and even reduce their existing debt payments by using a Midkey loan as a first or second mortgage when traditional lenders are unable to help due to serviceability issues. By deferring payments until the end of the home loan, Midkey’s NCCP-regulated loans offer Australian households new choices and flexibility, often giving them access to funding they would otherwise be unable to obtain from traditional lenders. A Midkey enables borrowers to take advantage of opportunities or address growing challenges such as increased cost of living, income constraints, and the rigorous loan serviceability assessments used by traditional lenders. Midkey was founded in 2021 with a vision to help midlife Australians solve their financial challenges and realise their financial goals.