Your pension.
Your pathway
to home.
Eligible Retirement Savings Account holders may access up to 25% of their RSA balance as equity contribution towards a residential mortgage, subject to applicable requirements and approval.
A clearer way to begin your home journey.
The 25% RSA equity contribution pathway is designed to help eligible RSA holders use part of their retirement savings as equity towards a residential mortgage.
PEMWO helps clients understand the process, prepare the required information and navigate the application journey with practical support.
Learn more about the 25% RSA pathway →Up to 25% of your RSA balance.
The applicable amount is subject to eligibility, available RSA balance, mortgage arrangements and the relevant regulatory requirements.
How the pathway works.
A structured process helps you understand what is required at each stage before your application moves forward.
Understand
Review your eligibility, RSA position, mortgage requirements and the documents needed for the application.
Apply
Complete your application and provide the required information and supporting documentation for processing.
Progress
Your application moves through the relevant mortgage, PFA and regulatory processes before completion.
Is this pathway for you?
Eligibility depends on the applicable regulatory requirements and your individual circumstances.
Applicants must meet the applicable contribution and employment requirements.
The RSA equity contribution is intended towards a qualifying residential mortgage.
Applicants must provide the documents and information required for assessment and processing.
Access is subject to the applicable rules, mortgage arrangements and approval by the relevant institutions.
The 25% figure represents the maximum RSA equity contribution that may be accessed under the applicable framework. It is not automatic and does not guarantee approval. Eligibility and approval depend on prevailing regulatory and mortgage requirements.
Ready to take the next step?
Start your application through PEMWO's application portal and take the first step towards exploring the 25% RSA mortgage pathway.
Start Your Application →