Unlock the power of your home equity

Thousands of Australians aged 55+ choose a home equity release loan to maximise their retirement outcomes. 

A home equity release loan allows you to access the equity in your home — without needing to downsize or sell. This enables you to stay in the home and community you love.

Happy man who's taken out home equity loan carries grand daughter

You can use the FUNDS to:

Pay for aged care — while retaining ownership of your home

Fund home renovations and repairs

Pay for living expenses

Provide financial assistance to family members

Consolidate your debt or refinance

Enjoy a dream holiday

Fund home care — enabling you to remain in your home

Purchase that new car or motorhome

12 important reasons why a home equity release loan with Inviva could be a smart financial choice

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Retain ownership of your home or investment property

Benefit from any potential appreciation of the property’s value — a significant advantage over downsizing to a lower value asset

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A competitive interest rate

Compared to other funding options like credit cards or personal loans, helping you maximise your financial benefit

2

Lifetime occupancy guarantee

Where the loan is secured against the property you live in (and the loan does not have a term), you can stay in your home and community as long as you wish

8

Immediate access to funds

Unlike the lengthy process of selling and buying a new home, get immediate access to your home equity, allowing for quicker financial relief

3

No negative equity guarantee

Ensuring you will never owe more than the market value of your property, providing peace of mind for you and your family

9

Access your money, your way

Whether it's a large lump sum, monthly payments, or a line of credit, you have the flexibility to access the funds as and when you need them

4

No interest repayments or ongoing monthly fees

Significantly improving your monthly cash flow and financial freedom

10

Expert guidance

Our team has years of experience and offers personalised support providing guidance throughout the entire process and ensuring you’re fully informed along the way

5

Flexible repayment options

Simply repay the loan when it suits you best

11

Preserve your retirement income

Potentially reduce the need to draw down on your superannuation or other savings prematurely

6

No proof of income required

Making it easier for retirees or those with a non-traditional income to get a loan

12

Quick, easy process

The application takes less than 30 minutes, with decisions provided in as little as a few days, and settlement shortly after

What our customers are saying

This came about because I was able to immediately update my high milage car using funds supplied by Inviva.

The astounding difference in dealing with insurance firms and Inviva has reinforced my views about this unique company. From the first phone call with Brad where we discussed my needs, to the cheerful out of hours call some weeks later to confirm funds were clear and to "welcome me on board", I have been beyond impressed with Inviva's service and flexible options. Brad was always on top of my story. The definition of him being akin to a long lost friend would not be inappropriate.

Inviva offers a tremendous product and excels in customer service. If only they could branch off and offer car insurance as well...  Thanks Inviva!

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Annouchka

Blackheath, NSW

I am a retired surgeon and my wife and I had the pleasure of working with Inviva lending to help us to secure our new home. We had been denied access to funding by a major bank and found Inviva through a website search.  In my first contact with Inviva by phone I found them open and professional and willing to help. We had a 100k shortfall and needed funds quickly to be able to purchase our new home.  

The service from our consultant was second to none and he guided us through the application process. The credit department and the entire team at Inviva were so professional and friendly through the approval process which happened in 3 weeks.  

We couldn't be more grateful and highly recommend them for any equity release requirements you may need for your retirement.

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Neal

Pyrmont, NSW

We found ourselves in the interesting position of having plenty of assets but an income that comes largely dependent upon holiday accommodation plus we are nearing retirement age. Our bank of 40 years (who we had loans with previously, plus accounts and credit cards) would not count the holiday income as regular income and as such could not get their algorithm to let the loan through. Even talking to senior people did not help. You can guess how I feel about them now.

I looked a few other options, but Inviva seemed to be the most flexible to suit our needs. We contacted them and found them to be very friendly and at the same time very professional. The process was easy and pretty much stress free.

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Graham and Helen

Casuarina, NSW

Thank you for all your care and professionalism in organising my reverse mortgage so quickly, cleanly and clearly. You understood the urgency of my situation and managed to have all the parties collaborating to deliver such a smooth and expedient result, i.e.  bank; lawyers; financial advisor; and of course, Inviva Lending.

I particularly appreciated that you made the time to meet me at my residence and you were always available and responsive to my many queries.

As you can imagine, a few retired friends of my vintage have been interested to see how a reverse mortgage can be set up. I’m confidently suggesting that they contact you if they want to explore this option themselves.

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June

Westleigh, NSW

I would like to thank you personally for all the assistance you gave to Mike and myself throughout our application process which completed with Thursday’s settlement.

Obviously, it’s a team effort but your professionalism, customer service and support has been exemplary throughout which made the process easier to navigate in order to consider all aspects fully.  We are now happyto be Inviva customers, believing that this is the right product for us at this stage of our lives given the financial flexibility it will offer in the coming years.

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Louise

Gisborne South, Victoria

I found the customer team to be very knowledgeable about the product, honest and always available via email or phone. The product is flexible and well designed by people who know this niche market very well. Inviva is a local Australian company offering workable solutions for those like myself, who need access to money, have good assets, but are literally low in available funds. I am happy to recommend the Inviva product and approach.

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Annette

Mortdale, NSW

It was a pleasure to deal with Inviva who displayed professionalism, courtesy, and high competency.  The online convenience helped a lot.   Inviva fills a much needed void for competitive lending set up and ongoing borrowing rates - for those who have worked hard to build up assets and who then want to draw down cash against appreciating asset values.

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Eddie

Surrey Hills, Victoria

Wonderful experience. A real pleasure to work with Brad who was so kind and helpful. He was honest and always available to help with my many questions. The application was a simple, quick process made very easy with Brad's exceptional customer service. I would definitely recommend Inviva to help access the value of your home.

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Denise

Dolans Bay, NSW

We were surprised we were able to get a reverse mortgage considering our age. The Inviva team was great - professional and showed empathy because we were not very tech savvy! Overall, a pleasant rewarding experience and we were able to obtain a lovely forever home.

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Joy

Longford, Tasmania

All of our friends are trying to figure out how we can assist our kids NOW.  Your application process was simple and quick and we had money within a couple of days of starting. You are a great option and have made us happy grandparents.

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Jim and Julie

Randwick, NSW

I was listening to 2GB and your ad came up. It was of interest to me and I contacted you and received a quick response from you. Fantastic service everything explained to a high level. Thanks to Brad for his assistance throughout the easy process.

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Peter

Wahroonga, NSW

The process was very quick and simple. I found all staff members from Inviva to be friendly, helpful and efficient, from the Customer Service team to the Head of Credit. I would definitely recommend Inviva to people looking for a reverse mortgage style product.

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Carol

Saratoga, NSW

Everyone from the broker to staff have been really helpful and made the process so easy and explained everything. I couldn’t wish for a better experience. Everyone went above and beyond with help and explaining every step of the process.

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Sandra

Booker Bay, NSW

My first call was answered with everything I needed to know. When I decided to go ahead it was a very quick and easy process. I was kept informed every step of the way.

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Allan

Thrumster, NSW

Their Customer Service was exceptional & their ability to provide succinct & understandable answers to my questions made the process very easy. I would recommend Inviva to any prospective client.

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Colin

Albury, NSW

The person I spoke to about the reverse mortgage, Adrian explained everything. I now have the means to visit family overseas and do much needed repairs to my home.

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Jan

Gold Coast, QLD

Service: 10. Able to contact: 10. A no hassle application. If you are looking for a positive, no-hassle solution to your finances. Just talk to Inviva.

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Gary

Bangalow, NSW

A quick and easy application process. Great company to deal with. The staff were very helpful and customer focused.

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Maureen

Silverdale, NSW

Very professional, informative and made the whole process easy to understand and achievable without any stress or complications.

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Rick

Bargara, QLD

We found it very simple to navigate the steps required to set up the loan. Friendly helpful service.

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David

Scarborough, QLD

Applying is quick and easy – the application takes < 30 minutes

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Step 1
Calculate how much I can borrow

Our free calculator will estimate the current value of your home. We will show you how much money you could potentially release from your home. Simply type in your address and whisper us your age.

Step 2
Enter your details

It’s fast and secure. We ask a few simple questions to get you to the approval stage. And it’s obligation free, you can withdraw your application at any time.

Step 3
Fast Approval 

We are fast: Once we receive your application we will be in touch with next steps. This will include a video call to give you the opportunity to ask any questions you might have. Provided we receive all of the necessary information with your application, we can generally give you a decision within as little as a few days.

Get your free property estimate now

Find out the value of your property and how much home equity you can access.

Cool couple enjoying their own home

Frequently Asked Questions

How does an Equity Empower loan work?
How much can I borrow?
What can I use the funds for?
What’s the difference between an Equity Empower loan and other reverse mortgage products on the market?
What is the current interest rate and what fees will I pay?