Downsize or purchase another property using a reverse mortgage

Looking for more flexibility as you plan your next move?

Inviva’s home equity release loans can help you buy your next home before selling your current one, giving you the freedom to move forward on your terms.

Whether you're searching for the perfect property, waiting for your new home to be ready, or navigating changing market conditions, Inviva can help create more breathing room and make the transition to your next chapter feel simpler and less stressful.

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What are the benefits?

Continue your journey with Inviva

For current Inviva customers, stay with a lender you trust. Make your next move with confidence and get support from our specialised team that understands your circumstances.

Eligible borrowers may choose to remain with Inviva after their move to fund ongoing needs.

Realise your next dream

Your relationship with Inviva doesn't have to end at the sale of your old place. If eligible, continue with the team at Inviva to fund living your best life after moving into your new home.

Take your time to make the right move

Buy before you sell, giving you more time to prepare your current home for sale and transition to your next chapter with confidence.

A solution tailored to your circumstances

Every situation is different. That's why we take the time to understand your financial position, property goals, and timelines to explore a lending solution that suits your needs.

Get more from your home equity

Your home equity may be able to support more than one goal at a time. Whether you're completing renovations or planning your next adventure, releasing equity can help you move forward without putting your plans on hold.

No regular repayments required

Eligible borrowers can access funds secured against their property, with no regular repayments required during the loan term.

How you can bridge the gap between two properties with Inviva

If you’re looking for a way to bridge the gap between two properties but need some breathing room, Inviva may be able to help. This allows current and new Inviva customers a way to buy before you sell.

It starts with a call with our Lending Specialists so we can understand how Inviva can help
Your existing and new property will both be used as security
The loan gets paid out at the sale of the existing property
If there is any debt owing after the sale, this can generally be refinanced into our Home Equity Release Loan

Customer Spotlights

Meet Joan and Terry*

Joan (66) and Terry (70) raised their family in Mount Eliza, Victoria. For years the location suited them perfectly, but as grandchildren arrived, their priorities shifted. When their eldest daughter purchased a home in Geelong, Joan and Terry found the new distance made it harder to enjoy the family moments that mattered most.

There was plenty they still loved about their home. The couple had also recently taken out a Home Equity Release Loan with Inviva to renovate their kitchen. However, Joan and Terry wanted to play an active role in their grandchildren’s lives, leading them to rethink the place they called home.

It was around this time, Joan and Terry had friends move to Torquay. During a visit, Joan and Terry fell in love with the area and how much closer it was to family. It wasn't long before they spotted a home for sale that ticked all their boxes.

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How Inviva helped

Joan and Terry reached out to Inviva to discuss their existing loan and explore their options for the next chapter. They always thought they would renovate their bathrooms before selling but were also eager to move forward with their plan to relocate.

The Inviva team took the time to understand Joan and Terry’s property goals and, with Inviva's help, Joan and Terry were able to move forward with both plans at once! The couple purchased their new home in Torquay while completing their Mt Eliza bathroom renovation to prepare the property for the market.

Renovations were completed sooner than expected and the improvements helped attract strong buyer interest. Shortly after, the property sold for more than Joan and Terry anticipated.

In the process of speaking with Inviva, the couple considered how their future needs would evolve and whether a Home Equity Release Loan could continue to support their lifestyle goals. They chose to maintain a loan with Inviva, giving them access to additional funds for family experiences and plenty of opportunities to spoil their grandchildren.

*Case studies and quotes are illustrative of and inspired by some of our customers’ experiences.

“Plans worked out better than we’d hoped. Not only because we got to move into a new home that suits our family as much as it suits us, but because we got to watch another family – just like ours but younger – move into our previous property with all the same goals Joan and I had when we first moved in.”

Terry

Explore your potential

Could Inviva help you achieve your goals, on your terms, in your own time? We’d love to learn more!
Book a consultation with our friendly team and start exploring your next chapter, today!

Book your free consultation Call us on 1300 222 223

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Why choose Inviva?

Expertise and support

Our team has years of experience and offers personalised support

Transparent costs

There are no hidden fees. You’ll know all costs upfront

Flexible options

Choose how you access the funds (as a lump sum, regular income payment or a line of credit) with the freedom to repay early with no early repayment fees

Quick access

Fast approval and disbursement mean you get funds when you need them

Could bridging finance help you achieve your goals, on your terms, in your own time? We'd love to discuss how we can help.

Request a call to find out what support our specialised team can offer and start exploring your next chapter, today!

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Frequently Asked Questions

Can I use a Home Equity Release Loan to pay out my existing home loan?

Yes. Many homeowners aged 55 and over use a Home Equity Release Loan to refinance and pay out their existing mortgage. With Inviva’s home equity release loans, you are not required to make regular monthly repayments and this can improve cash flow during retirement. Please note, the amount you can borrow is government regulated and based on the value of the property and the age of the youngest borrower. You must be able to pay out the existing loan with the new loan, as Inviva will take first mortgage on the property.

What are the benefits of refinancing my mortgage with a home equity release loan?

If you are unable to keep up with your monthly repayments on your existing home loan, for instance if you are retired and no longer have a regular income, or you need additional funds for other needs, then releasing equity from your home could be the answer. By refinancing to a reverse mortgage, there are no ongoing monthly repayments helping to reduce financial pressure, improve retirement cash flow, and allow you to stay in the home and community you love.

Will I still own my home?

Yes. You remain the owner of your home and continue living in it as your principal residence. The loan is secured against your property, but ownership stays with you.

Do you require legal and financial advice?

Inviva requires that you obtain independent legal advice before entering a loan contract, to ensure that you understand the contract, and your rights and obligations associated with it. It is your responsibility to pay for this legal advice.

We encourage all customers to obtain financial advice. In some circumstances, at our discretion, we may require that you do so.

Still have questions?

Call us on 1300 222 223, or get in touch via our website.

Free consultation