How it works

Unlock the equity in your home to help fund your retirement. All without needing to sell your home.

Stay put. Live better. Maintain home ownership.

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

What is a home equity release loan?

A home equity release loan (also known as a reverse mortgage) is a loan that lets you access the equity in your home. You don't have to make regular repayments, and you can stay in your home. The loan is repaid when you sell the property, move out (where the security property is the home you live in), or the last borrower passes away.

Who can benefit?

  • Homeowners 55 and over — If you’re 55 or older, a home equity release loan could help you access funds tied up in your home.
  • Retirees — It’s perfect if you want extra income to supplement your retirement.
  • Those with unexpected expenses — If you face unexpected costs, a home equity release loan provides quick access to funds.
  • People who want to stay in their home — If you love your home and don’t want to move, this loan lets you stay put.

Three ways to access your money

Inviva’s home equity release loan has three drawdown options, giving you the flexibility to access funds when it suits you. Interest is only charged on funds that have been drawn down.

1
2
3
Initial lump sum

Receive a lump sum payment at the beginning of your loan. Ideal for consolidating debt, funding home renovations, purchasing a new car, or funding a trip overseas to visit your family and grandchildren.

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Line of credit

Have your loan approved up front and then access money only when you need it without paying interest on the undrawn amount. Interest is charged on the amount that you draw down.

The minimum drawdown for this option is $1,000.

Reg income payment-ai
Regular income payments

Manage your day to day living expenses with a regular monthly income payment.

The minimum drawdown amount for this option is $500 per month.

Or choose a combination of these options.

How it works?

Accessing the equity in your home has never been easier

1

Use our free property calculator

To obtain an estimate of the value of your property and how much you can borrow.
2

Decide how you would like to receive the funds

As an upfront lumpsum, a line of credit, a regular income payment, or a combination of these.
3

Complete our fast, secure and easy online application

We only ask what we need to assess your application. As part of this process, we will verify your identity – we use a digital ID service to make this fast, easy and secure. We also require information about what you own and what you owe – our application allows you to do this securely and easily using our safe bank statement retrieval service.
4

Once we have received your application

We will give you a call to discuss your application and confirm any outstanding information we might require.
5

We provide you with detailed equity projections

It’s important to understand how a home equity release loan might impact the equity you will retain in your home over time. We use the government’s MoneySmart calculator to provide you with detailed projections and discuss these with you as part of a video welcome call that takes place mid way through the assessment process.
6

Your application gets assessed by our experienced credit team

Provided we have all the information we need, we can generally give you a decision in a few days
7

Once approved, we work with your solicitor to get your loan settled

This can be at a time that suits you and we will work with your solicitor to ensure this happens seamlessly and without delay. We take first registered mortgage over the property and will arrange to pay out any existing mortgage as part of this process.

Am I eligible?

Simple eligibility criteria 

Our eligibility criteria is simple and transparent

  • No proof of income required — making it easier to get a loan.
  • Get to up to $2 million in cash — the amount you can access is based on your age and property value, and is regulated by the government.
  • We welcome both Australian citizens and permanent residents, including NZ citizens with a Special Category Visa.
  • Don’t worry if your home isn’t fully paid off – provided you can pay out the existing mortgage with the proceeds of new loan, you may still be eligible.

Keeping you safe and ensuring you understand your obligations

Inviva’s home equity release loan also comes with some important protections

  • Lifetime occupancy guarantee — where the loan is secured against the property that you live in (and the loan does not have a term), you can stay in your home and community as long as you wish.
  • 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.
  • Independent legal advice and support — we want to make sure you understand your obligations and get support from an independent expert. You will need to pay for this advice, but we can help you find a solicitor that works best for you.

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.

M

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

Try our free online calculator

Try our free online calculator to get an immediate property estimate and see how much you can borrow

How much I can borrow

Want to learn more?

Try our live chat service, email us at info@inviva.com.au or call 1300 222 223 to get personalised advice from our experts who will be delighted to answer any questions you may have.

Prefer us to call you at a time that suits you

Request a call

Frequently Asked Questions

How does an Equity Empower loan work?
How much can I borrow?
What can I use the funds for?
Do you require legal and financial advice?
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?