Unlock the power of your home equity

Equity Empower helps people over 55 to access the equity they have built up in their home to realise their retirement dreams – renovate, travel, pay off debt, buy that new car or boat. The choice is yours – all without needing to sell your home. 

Your money. Your choice.

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THE BENEFITS
Equity Empower offers you the freedom to unlock equity from your home while retaining ownership and eliminating the need to sell. It allows you to continue to enjoy the comforts of your home in the community that you know—for as long as it suits you.
No requirement to make loan repayments until the loan is repaid
Choice of a combination of drawdown options—lump sum, regular income payments or a line of credit
Make voluntary repayments or pay off your loan when it suits you
We are fast: we can generally give you a decision within 48 hours.
  • No requirement to make loan repayments until the loan is repaid
  • Choice of a combination of drawdown options—lump sum, regular income payments or a line of credit
  • Make voluntary repayments or pay off your loan when it suits you
  • We are fast: we can generally give you a decision within 48 hours.
PRODUCT FEATURES AT A GLANCE
Variable rate of 9.20% p.a. (comparison rate 9.23% p.a.*)
One off loan establishment fee of $995 (deducted from the loan amount at settlement)
No term - make repayments and draw again as needed
Release up to $2,000,000 secured against your home or investment property
  • Variable rate of 9.20% p.a. (comparison rate 9.23% p.a.*)
  • One off loan establishment fee of $995 (deducted from the loan amount at settlement)
  • No term - make repayments and draw again as needed
  • Release up to $2,000,000 secured against your home or investment property
*Comparison rates are based on a secured loan of $150,000 over a 25-year term. WARNING: comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
All our loans come with a no negative equity guarantee so you will never owe more than the value of your home.
Equity Empower also offers a lifetime occupancy guarantee if the loan is secured against the property you and your co-borrowers live in. This means that provided you meet your loan obligations, you can stay in the property as long as you wish and we can never force you to sell the property.

Three ways to access your money

Equity Empower has three drawdown options giving you the flexibility to access funds when it suits you. Interest is only charged on the funds when and as you need them

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. You can also access additional funds in the future through the following options.

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. The minimum drawdown for this option is $1,000. No interest is charged on the undrawn portion of the facility.

    Regular income payments

    Supplement your income by setting up a regular monthly or quarterly income payment. The minimum drawdown amount for this option is $500 per month.

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    Equity Empower provides you with the financial flexibility to achieve your retirement goals—while still staying in your home
    Home improvements

    Access funds to pay for renovations and repairs so you can comfortably stay in your home for longer

    Enjoy that dream holiday or car

    Pay for holidays, visit your grandchildren, upgrade your car or buy a motorhome

    Living expenses

    Tap into home equity to assist with your living costs

    Fund aged care

    Secure funds for aged care accommodation while retaining ownership of your home

    Home care

    Cover the costs of in-home care so you can stay in your home and local community for longer

    Consolidating debt

    Utilise home equity to consolidate debt, including other loans and credit cards

    Is Equity Empower right for me?
    Youngest borrower is at least 55 years young
    Own a property outright or be able to pay out the entirety of the mortgage with the loan
    Australian Citizen or permanent resident. We also accept NZ citizens with a Special Category Visa
    Looking for an evergreen equity release loan with flexible drawdown and repayment options
    • Youngest borrower is at least 55 years young
    • Own a property outright or be able to pay out the entirety of the mortgage with the loan
    • Australian Citizen or permanent resident. We also accept NZ citizens with a Special Category Visa
    • Looking for an evergreen equity release loan with flexible drawdown and repayment options

    What our customers are saying

    It was a pleasure to deal with them. They 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. And where personal exertion income is NOT high enough to meet the current tough mainstream income serviceability standards on borrowings.

    Eddie
    Surrey Hills - VIC

    I am in the same boat as a lot of average people who have worked to build up independence through paying off their own home, and subsequently investing in a 2nd property. The trade-off has been having little money left to save or spend. When it came to the necessity of spending money on an extension, I was hesitant to add these costs onto a mortgage, with no end in sight to payments. I now only work part time, so my wages would not have qualified me to do this, and I did not want to lean on the bank.

    I read about them in the NRMA magazine, and they sounded like a very well governed outfit with a personal approach, and a good product and a great deal of experience in the financial world. I contacted the team and was delighted they were happy to deal with me. I could take a loan out against the 2nd property, and was not required to make repayments immediately, giving me time to re arrange my assets to suit.

    I found the customer team to be very knowledgeable about the product, honest and always available via email or phone. The product offered is flexible and well designed by people who know this niche market very well. They are 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 their product and their approach.

    Annette
    Mortdale - 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 at a few other options but they seemed to be the most flexible to suit our needs. We contacted them and found them to be very friendly and at the same very professional. The process was easy and pretty much stress free.

    With the loan we were able to move some of our plans forward without having to wait until retirement age.

    Graham and Helen
    Casuarina - NSW

    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.

    Jim and Julie
    Randwick - NSW

    How to Apply

    Our three step application process is simple and fast
    Step 1

    Discover your Financial Firepower™
    Our free calculator will estimate the current value of your home. We will show you how much money you could potentially release from your home. Simply type in your address and whisper us your age.

    Step 2

    Enter your details online
    It’s fast and secure. We only ask you what we need to know to get you to the approval stage - about you, your goals, how you might want to access your funds, and your financial situation

      Step 3

      Fast Approval
      We are fast: Provided we receive all of the necessary information with your application, we can generally give you a decision within as little as a few days.

      You can find out more about our secure application process here.

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      Frequently Asked Questions

      How does an Equity Empower loan work?
      How much can I borrow?
      What can I use the funds for?
      What’s the difference between an Equity Empower loan and other reverse mortgages on the market?
      What is the current interest rate and what fees will I pay?
      How is 2Be's Equity Advantage different from a traditional reverse mortgage?
      Product Information
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