Reverse Mortgages

What is a reverse mortgage?

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 pass away.

Who can benefit?

‍Homeowners 55 and over — if you’re 55 or older, a reverse mortgage 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 reverse mortgage 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 remain in your home while providing access to funds for other needs.

How does it work?

Accessing funds — you can take the money as an upfront lump sum, regular income payments, as a line of credit, or a mix of these
No regular repayments — you don’t have to make monthly repayments. Interest adds to the loan balance over time
Loan repayment — the loan is paid off when you sell the property, or the last remaining borrower moves out or passes away. You can also repay the loan at any time and there are no early repayment charges

Benefits of a reverse mortgage

Immediate access to funds — quickly access the equity in your home without needing to liquidate other assets, which is useful for sudden and unexpected expenses
Stay in your home — keep living in the home you love without selling it
Financial flexibility — use the money for anything—aged care, medical bills, home improvements, or travel
Preserve retirement income — maintain your other income streams, such as superannuation, pension payments or investment income, while accessing funds from your home
No monthly repayments — there are no regular repayments required
Safety net — provides financial security by allowing you to draw funds only when needed and paying interest only on the amounts drawn
Government protections — enjoy protections like the ‘no-negative equity guarantee,’ ensuring you never owe more than your home’s value

Things to consider

Interest costs — over time, the interest adds up and increases the loan balance
Impact on inheritance — the amount your heirs inherit may be less
Age and property value — how much you can borrow depends on your age and your home's value

Is it right for you?

You should always consider your financial needs and goals before taking out any loan. A reverse mortgage can provide security, freedom, and comfort in retirement and it’s an option worth exploring if you want to stay in your home while accessing part of its value.

If you are unsure about how a reverse mortgage might impact your long term financial goals we recommend speaking to a financial advisor or other trusted expert .

Am I eligible?

Simple Criteria

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Eligibility is straightforward — you must be 55 or older and own a home in Australia
Don’t worry if your home isn’t fully paid off — provided you can pay out the existing mortgage with your new loan, our reverse mortgage could free you from the burden of ongoing monthly mortgage repayments

We welcome both Australian citizens and permanent residents, including NZ citizens with a Special Category Visa.

It’s Easier Than You Think

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No proof of income needed — we accommodate a variety of property types and do not require proof of income
Fast and secure digital application — our application takes less than 30 minutes and lets you securely provide your financial information quickly and seamlessly
Personalised support — contact us for an obligation-free consultation to guide you through the application step by step

We recognise each client's unique circumstances and are committed to helping you unlock your financial potential comfortably and confidently.

Why choose Inviva?

Expertise & support — our team has years of experience and offers personalised support
Transparent costs — no hidden fees, and you know all costs upfront
Flexible options — choose how you access the funds - as a lump sum, regular income payment or a line of credit - and enjoy the flexibility to repay early with no early repayment fees
Quick access — fast approval and disbursement mean you get funds when you need them

Explore how a home equity release loan with Inviva can help you enjoy a more secure and fulfilling retirement.

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Is a reverse mortgage the right solution to meet your needs?