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.

Calculate my property valueRequest a call
Happy man who's taken out home equity loan carries grand daughter

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.

Calculate my property valueHow it works
Happy man who's taken out home equity loan carries grand daughter

Loan features and benefits at a glance

Simple eligibility criteria 

  • No proof of income required — making it easier to get a 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

Key features of an Inviva equity release loan

Who can benefit?

Receive your money as an up front lump sum, regular income payments, a line of credit, or a combination of these.

No proof of income needed

Qualify without needing to show proof of income.

No monthly repayments

Enjoy the freedom of no regular repayments. Interest is added to the loan balance over time.

Lifetime occupancy guarantee

If the security property is the home you live in, provided you meet all loan obligations, you can stay in your home as long as you need.

No negative equity guarantee

You will never owe more than the value of your home.

Personalised support

Receive guidance from our expert team throughout the process.

Fast and secure application

Complete our digital application in less than 30 minutes.

Quick disbursement

Get your funds quickly with fast approval and disbursement.

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.
Cool couple enjoying their own home

Competitive interest rate

Currently 8.45% variable rate (8.48% 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?

  • 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.
Calculate my property valueRequest a call
Cool couple enjoying their own home

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

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

Read more

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

Request a call

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?

Free Home Equity Release Loan Guide

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Your personal information, including your email, will be used and held in accordance with our privacy policy.

Request a Call

Exit popup