Setting up the bank of Mum and Dad in Australia

Helping your children to buy their first home or support their kid's education can be hugely rewarding. You're helping them when they need it the most. But opening the Bank of Mum and Dad is not without risk, both financially and emotionally. That's why we have created tools to help parents and their children set the Bank of Mum and Dad up for success.
Older man warmly hugging a younger woman likely his daughter inside a home, both smiling, while another woman likely his wife stands nearby smiling in the background.
Bank of Mum and Dad
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Free property valuation estimate

Obtain an instant estimate of your property and how much home equity you can unlock.
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Guides to help you help them

Understand your options, weigh up the risks, and make confident decisions about supporting your child's property journey.

Guide

Preserving family relationships

Understand more about the steps you can take to protect relationships and your money
Your guide to preserving family relationships
Guide

Gift or loan?

Understand the pros and cons of each approach and how you might structure the gift or loan
Your guide to gifting and lending
Guide

How much can you afford?

It’s great to help your children, but don’t risk your future dreams or finances, or your relationships. Make sure that your financial capacity can withstand unforeseen circumstances without jeopardising your future plans.
Your guide to risks
Guide

What are the options to source the funds?

Understand the options available and what might best suit your situation.
Your guide to funding options
Guide

How much can your child afford?

Your children may be the ones buying the house but you’ll always want them to make the right choices. Keep up to date with their planning and decisions and prompt them if needed.
Your guide to costs

Calculators

Find out how you can help your children buy now
Calculator

Bank of Mum and Dad Calculator

Assess your potential government grant eligibility, calculate your child’s ability to buy and your options to help
Bank of Mum and Dad Calculator
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Calculator

Home Equity Calculator

See how much you could borrow with our home equity release calculator
Calculate my property value

“Our Inviva experience has been a very stress free one. Our application was processed quickly in a very professional manner with prompt assistance the few times we needed it. I can’t speak highly enough of the team and process”

P
Peter
Ormiston, QLD

Resources to help you get started

Download practical templates, case studies and tools designed to help you navigate family lending and gifting with confidence.

Article

Future-proofing the homes we love with a home equity release loan

Learn how Australians over 55 can remain in the homes they cherish while enhancing comfort, safety, and financial freedom. This blog explores home equity release loans, their advantages, and how Margaret upgraded her home to enjoy independence and confidently plan for a secure, fulfilling retirement.

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Article

CASE STUDY: Unlock the potential of the Bank of Mum and Dad

Ian and Sharon have built a successful life for themselves and own a beautiful home in the leafy suburb of Kew in Melbourne’s east. The problem is, their only child Josh has similar aspirations but is finding it very difficult to follow that same journey of home ownership. The family decided that unleashing the Bank of Mum and Dad was the best option to get Josh into the market sooner.

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Article

CASE STUDY: Document Everything

Say buy to your kids, with confidence. Take the time to document and agree all aspects of the arrangement in advance.

Meet John and Jenny.

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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

Book a free consultation

If you’d like to learn more about how Inviva's home equity release loan can help your family, our experts will be delighted to answer any questions you may have.
Request a call

What our customers are saying

Being older with limited computer knowledge we were guided through the process with good, patient assistance that made what appeared daunting  easy in the end with a successful outcome

J
Jeff
Two Wells, SA

Inviva's Home Equity Release goes beyond the specifics a bank loan otherwise provides. In fact it superscedes any bank loan. If you are prepared for that step it can provide a means that the banks "do not" otherwise provide.

G
Gregory
Melton South, Victoria

Their experience, guidance, and transparency gave me the opportunity to keep my property instead of selling, and enjoy a much better, stress free existence moving forward.

J
Jenny
Rouse Hill, NSW

The product suited us at our age and stage of life. We had good support from the Inviva team, their lawyers, and the brokers.

I
Ian
Tewantin, QLD

I'm forever grateful to Inviva for everything. I've had a few medical issues which prevented me from working and if I didn't get a job, I was going to lose my house which I have lived in for 18 years. Inviva has enabled me to stay in the area and the house I love. I'm now stress free and have the available funds to do the things I want to do like a new kitchen and visiting my kids and grandchildren.

L
Leann
Glossodia, NSW

Free Home Equity Release Loan Guide

For a free guide on how Inviva's home equity release loan can work for you enter your details.

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The information on this website is general in nature and does not take into account your personal circumstances, objectives or financial situation. Before acting on information on this website, please consult your professional or financial advisor to determine whether it is appropriate for your circumstances.

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