Unlock the power of your home equity

Inviva is an Australian lender that helps homeowners aged 55 and over access the equity in their property. We provide flexible lending solutions designed for retirees and pre-retirees who want to unlock the value of their home without needing to sell it.

Inviva offers simple and flexible home equity solutions for Australians in later life. Our approach focuses on clear information, personalised support and a straightforward application process.

Customers choose Inviva because we offer:

• Loans designed specifically for borrowers aged 55+
• Flexible ways to access funds
• No mandatory ongoing repayments
• Guidance from experienced lending specialists
• A quick and simple online application process

Yes. Inviva operates in Australia and provides loans to eligible homeowners across the country.

We understand the financial needs of Australians in later life and work with customers nationwide to help them access the value in their property while continuing to live in their home.

Accessing the equity in your home is an important financial decision. Our team provides guidance throughout the process to help you understand your options.

When you apply with Inviva, you can expect:

• Clear information about your options
• Guidance from experienced lending specialists
• Transparent explanations of loan features and costs
• Support during the application and settlement process

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Our aim is to ensure you understand how the loan works and feel confident in your decision.

Yes. Inviva operates within Australia’s regulated credit framework.

We hold an Australian Credit Licence (ACL 533319), which authorises us to provide credit services in Australia. As a licensed credit provider, we comply with the National Consumer Credit Protection Act and the responsible lending obligations set by the Australian Securities and Investments Commission (ASIC).

This regulatory framework requires us to provide clear information about loan features, fees and risks so you can make an informed decision before entering into a credit contract.

If you are considering accessing the equity in your home, we encourage you to seek independent financial or legal advice to ensure the solution is right for your circumstances.

Inviva's home equity release loans are reverse mortgages that allow you to free up part of the value of your property without having to sell the property until you're ready. With Inviva reverse mortgage loans, you aren't required to make any repayments of principal or interest until the end of the loan. Instead, interest capitalises, so the loan balance increases over time, unless you choose to make voluntary repayments.

Inviva's Home Equity Release Loan is an evergreen mortgage, which means it typically does not have a fixed loan term. The loan balance is generally repayable in full when the last remaining borrower permanently leaves the property, or the property is sold.  If the security property is your residential home, then you’re required to occupy the property. Inviva's Investment Property Equity Release Loan generally includes a term and does not include this occupancy condition.

This flexibility has made equity release in Australia increasingly popular, especially for retirees seeking a secure way to supplement retirement income. All of Inviva's home equity release loans have flexible drawdown options: you can access the loan funds as an initial lump sum, a regular monthly income payment, a line of credit or a combination of these options. You will only be charged interest on the amounts that you draw down.
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With an Inviva loan, you’ll have the option to make repayments at any time. If you do make repayments, then you’ll generally be able to re-drawdown those funds again at a later stage, should you choose to.
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You can use the loan for a variety of purposes - to fund the trip of a lifetime, buy a new car, renovate your home, supplement your retirement income, consolidate debt, help your kids or grandkids, and more..

Inviva offers loans from $50,000 up to $5,000,000 (more by consultation) for borrowers aged 55 years or over.

The maximum Loan-To-Value Ratio (LVR) depends on your age and the value of your property.  A 55-year-old can generally borrow up to a maximum LVR of 15% (i.e., up to 15% of their property’s value). The maximum LVR then increases by 1% for each additional year of age.  For example, a 73-year-old may be able to borrow up to a maximum of 33% of their property’s value.  

As part of the application process, we’ll discuss with you if there are other circumstances that may impact the amount you can borrow or any other conditions.

You can use Inviva's home equity release loans for a variety of purposes, giving you the flexibility you need to meet your goals. This could include funding the trip of a lifetime, buying a new car, renovating your home, supplementing your retirement income, consolidating debt, helping your kids or grandkids and more.  

You can choose to access the funds as:

• an upfront lump sum if you want the money now
• a line of credit if you want access to cash as and when you need it
• a regular income payment option if you are looking to boost your retirement cashflow, or
• a combination of any of the above options so you can live your retirement your way.

These types of equity release on a house provide flexible options not usually available with a standard home equity loan.

Inviva's home equity release loans have all the key features of a standard reverse mortgage, allowing you to free up part of the value of your property without having to sell it.  With Inviva you aren’t required to make any interest or principal repayments until the end of the loan. However, you have the option to make repayments at any time, and to redraw those funds at a later stage if you choose to do so. Inviva’s flexibility makes us a standout if you’re looking for reverse mortgages in Australia.

Inviva's home equity release loans come with a ‘no negative equity’ guarantee, so you can never owe us more than the market value of the property.

‍Our key differences:‍

Unlike some other reverse mortgage providers, we will lend to borrowers aged as young as 55. We also typically allow you to borrow against properties other than your primary home, such as an investment property or holiday home. If you’d like to learn more about home equity release loans, you can contact Inviva to discuss your situation.

Our current interest rate is 8.95% (comparison rate 8.98%*).
Inviva's Home Equity Release Loan and Investment Property Equity Release Loan have an upfront loan establishment fee of $995** to arrange settlement of the loan and include an online valuation and documentation. If a full in-person valuation is requested by you or required by us, this will be passed on at cost. As part of the application process, we will let you know in advance if a full in-person valuation is needed, and you may be required to pay for this separately in advance. The loan establishment fee is deducted from the loan amount at settlement, along with any government charges that apply.
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There is no ongoing monthly fee; however, there is a discharge administration fee of $450 payable on discharge of any security interest either during or at the conclusion of the loan.

* Comparison rates are based on a secured loan of $150,000 over a 25-year term.
WARNING: comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

**Higher establishments fees may apply for more complex loans. We will get in touch with you with a quote if applicable.