About Us - Home equity loans for over 55s

About Us

At Inviva, we believe now is the perfect time to make the most of all that you have worked hard to achieve – In Viva! In Life!

We offer flexible home equity loans for over 55s to leverage the equity you have built up in your home to help you get more out of life.

Whether you desire to travel the world, renovate the family home, help your kids onto the property ladder or simply supplement your retirement income – Inviva is here to help!

Solving the over 55s dilemma

Inviva is committed to solving a key dilemma facing today’s over 55s. Many own their own home and have enjoyed considerable asset appreciation over the past decades. Yet much of their wealth is tied up in the family home, making it difficult to access the funds needed to achieve their retirement goals. And with many banks choosing not to lend to this group – a new solution was needed.

Inviva has worked with some of Australia’s leading financial experts to create Equity Empower, an innovative and flexible home equity loan that is secured against your home or investment property to allow you to access funds on your terms – either as a lump sum, income stream or a line of credit – your money, your choice! Our loans do not require regular repayments, and lending decisions are based on assets and credit history – not income or job status. And with a fast, easy application process, we are able to help thousands of Australians like you to unlock the power of your home equity without the need to sell your home.

The values we live by

Inviva operates on the principles of celebration, optimism, trust, approachability, and spirit. Every day our team comes to work with pride and commitment — to find financial solutions to the challenges faced by our customers, allowing them to achieve their goals and enjoy this important phase of their lives.

We are committed to lending responsibly, behaving ethically, and treating all our customers with respect.

Meet our founders

Our two founders have collectively over 50+ years of experience in the financial services industry in Australia and overseas.

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Andre Karney

Co-Founder & Joint CEO

Andre has 25+ years banking experience including being a specialist lender to the medical and accounting professions covering a full suite of private banking products.

Andre was also co-founder of two finance businesses: Medfin (which was ultimately sold to NAB); and Experien which was sold to Investec and then Bank of Queensland.

Andre is passionate about providing solutions to help customers to achieve their financial goals.

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Kevin Wunsh

Co-Founder & Joint CEO

Kevin’s career spans more than two decades predominantly in financial services with a focus on corporate debt, investment, private capital and strategy and in Australia, US, Canada and New Zealand.

Most recently Kevin was the managing director of Wingate’s Corporate Investments business and has held previous roles at Herbert Smith Freehills, AT Kearney, Babcock & Brown and Alceon.

Kevin’s passion is to build a business that prioritises the needs of older Australians and helps them achieve financial success in retirement.

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Meet the team

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Michael Sirmai


Michael has spent two decades working in banking, finance and law in some of the biggest banks and most respected law firms in Australia and in New York. His roles spanned the breadth of management, strategy, distribution, product and operations. More recently, he has worked in leadership and advisory roles at startups in a range of sectors.

At Inviva, Michael brings his broad experience, strategic mindset and commitment to great outcomes - and above all, a love for everything family and community.

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Tania Turnbull

Chief Product and Marketing Officer

Tania has worked in the financial services and superannuation industry for over 25 years, including more than nine years in senior marketing and product roles in Mortgages at ANZ Bank in both Australia and New Zealand.

Tania is passionate about delivering financial services that have the customers best interests at heart and can help them make the most of their financial opportunities. Her goal is to assist as many Australians as possible to have the opportunity to enjoy a rewarding and comfortable retirement.

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Brad Sutton


Brad is a proven, innovative technology leader with 20 years' experience in the financial sector. Brad’s passion is identifying customer requirements and translating them into working innovative solutions using advanced technology.  

At Inviva, Brad is excited to be using state-of-the-art technology to deliver great value and a whole new level of convenience for our customers and our employees.

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Andrea Debenham

Chief Risk & Compliance Officer

Andrea’s career as an executive and consultant in financial services has focused on developing strategy and risk management programs across both banks and super funds. Andrea loves a good challenge and providing insights on both current and future risks.

At Inviva, Andrea is our navigator, helping us identify and steer around obstacles or risks that might impact our customers or our business. She helps us manage our various risks in ways that deliver responsible growth, and works with Andre and Kevin to embed a strong risk culture across the team.

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Brad Darlington

Head of Customer Care

Brad’s career spans over two decades in the customer experience space, including senior manager roles in financial services. During this time, he has run large scale customer transformation projects across a diverse range of disciplines.

Brad brings a passion for customer service and is driven to ensure all of Inviva’s customers are provided with exceptional customer support throughout their time with us. He is driven by positive outcomes and is an advocate for Inviva’s goal to provide education, trusted solutions and unparalleled service as our customers plan for their retirement.

Get your free Financial Firepower™ Estimate now.

Find out how much of your home equity you can access to help your children with their home deposit.

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