Home Equity Release Loan
A loan that lets you release equity you have built up in your home for the things that matter—renovations, travel, day-to-day living, healthcare, helping family, and more—all while staying in the home and community you love.
Home Equity Release Loan
A loan that lets you release equity you have built up in your home for the things that matter—renovations, travel, day-to-day living, healthcare, helping family, and more—all while staying in the home and community you love.
Loan features and benefits at a glance
Simple eligibility criteria
- No proof of income required — making it easier to get a home equity release loan
- Your loan is evaluated based on assets and credit history — not income or job status
- Get up to $3 million+ in cash — the amount you can access is based on your age and property value, and is regulated by the government
Quick, flexible access to funds
- Get immediate access to funds — allowing for quicker financial planning and relief
- Access your money, your way — choose from an upfront lump sum, monthly payments or a line of credit, giving you flexibility to access the funds when you need them
Low fees & competitive interest rate
- Avoid ongoing monthly fees or interest repayments — significantly improving your monthly cash flow
- A competitive interest rate — vs other funding options like credit cards or personal loans
- A one off loan establishment fee ($995**) — covers settlement of the loan and a standard valuation. If an in person valuation is required additional costs may apply
- We review our fees & charges each year — ensuring they remain competitive and reflect current market conditions
Stay in the home & community you love
- No need to move — you're not forced to sell until you are ready and there are no downsizing or moving costs
- Lifetime occupancy guarantee — if you live in the property and continue to meet your loan obligations, you can stay in your home as long as you wish
- No negative equity guarantee — ensuring you will never owe more than the market value of your property, providing peace of mind for you and your family
Applying is quick & easy
- The application takes < 30 mins — our online application is fast, easy and secure
Flexible repayment options
- Simply repay the loan when it suits you best — you can make voluntary repayments or pay off the loan at any time
- Enjoy peace of mind — with no ongoing monthly repayments required
What does it cost?
Inviva is committed to offering competitive pricing and transparent fees and charges. We regularly review our interest rates and fees and charges to ensure they remain competitive.
Competitive interest rate
Currently 8.95% variable rate (8.98% comparison rate*) typically lower than unsecured funding options such as personal loans or credit cards
Transparent fees
Know all costs upfront with no hidden fees:
- There is a flat $995 loan establishment fee** — which includes a standard valuation and loan documentation costs
- If we require or you request an in person valuation — for instance if you believe your property value is higher than the automated valuation estimate and you want the maximum loan amount available, we will provide you with a quote in advance and will not proceed without your consent. In person valuation costs are required to be paid up front
- Government charges may also apply — these typically include a mortgage registration fee and a mortgage discharge fee (if we are discharging a current mortgage), or in person settlement fees if these apply. These will all be disclosed in your loan offer before you commit
- A discharge administration fee of $450 is payable on discharge of any security interest either during or at the conclusion of the loan — and any applicable government costs that apply to discharge the mortgage
Check out our fee schedule for more information
Download PDF* 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.
**Higher establishments fees may apply for more complex loans. We will get in touch with you with a quote if applicable.
Why choose Inviva for home equity release?
- 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 Inviva's Home Equity Release Loan can help you enjoy a more secure and fulfilling retirement.
Common reasons homeowners use equity release
Some of the most common reasons people consider an Inviva equity release loan include:
1
Upgrading your home for ageing in place
Many homeowners choose to use equity release on a house to fund renovations such as bathroom upgrades, accessibility improvements or general home maintenance so their property remains comfortable and practical for the years ahead.
2
Funding healthcare or aged care needs
Unexpected medical or care-related costs can arise later in life. Accessing funds through home equity release may provide additional financial flexibility to help manage these expenses.
3
Helping family members financially
You may wish to assist children or grandchildren with important milestones such as education, property purchases or other major life events. An equity release mortgage can allow you to offer support while continuing to live in your home.
4
Supplementing your retirement income
Some homeowners choose an Inviva home equity release loan to create additional cash flow for everyday living costs, travel or lifestyle goals during retirement. Some retirees may also explore government-supported options such as the Pension Loans Scheme.
5
Consolidating existing debts
For some borrowers, home equity release provides a way to simplify or restructure existing financial commitments, making it easier to manage finances later in life.
In summary, using a home equity loan for a wedding can ease financial pressure, cover key costs and keep your savings intact during an important life event.
However, remember that unless you choose to make interest repayments, your loan balance will grow over time and your remaining equity may reduce. Moreover, property values change and the effect on any future inheritance should also be considered. Please consult a licensed financial advisor to understand how this option fits your personal circumstances.
However, remember that unless you choose to make interest repayments, your loan balance will grow over time and your remaining equity may reduce. Moreover, property values change and the effect on any future inheritance should also be considered. Please consult a licensed financial advisor to understand how this option fits your personal circumstances.
Try our free online calculator
Try our free online calculator to get an immediate property estimate and see how much you can borrow
Investment Property Equity Release Loan
A reverse mortgage designed for investment or rental properties, giving you access to equity without needing to sell or disrupt your rental income
Want to learn more?
Try our live chat service, email us at info@inviva.com.au or call 1300 222 223 to get personalised advice from our experts who will be delighted to answer any questions you may have.
Prefer us to call you at a time that suits you
Frequently Asked Questions
How do Inviva's home equity release loans work?
How much can I borrow?
What can I use the funds for?
Do you require legal and financial advice?
What’s the difference between a Home Equity Release Loan and an Investment Property Equity Release Loan?
What is the current interest rate and what fees will I pay?
Is a home equity release mortgage risky for my home?
Am I eligible for an equity release loan with Inviva?
How much equity can I release on my house?
