How it works
Unlock the equity in your home to help fund your retirement. All without needing to sell your home.
Stay put. Live better. Maintain home ownership.
Your money, your choice
What is a home equity release loan?
A home equity release loan (also known as a reverse mortgage) is a loan that lets you access the equity in your home. You don't have to make regular repayments, and you can stay in your home. The loan is repaid when you sell the property, move out (where the security property is the home you live in), or the last borrower passes away.
Who can benefit?
- Homeowners 55 and over — If you’re 55 or older, a home equity release loan could help you access funds tied up in your home.
- Retirees — It’s perfect if you want extra income to supplement your retirement.
- Those with unexpected expenses — If you face unexpected costs, a home equity release loan provides quick access to funds.
- People who want to stay in their home — If you love your home and don’t want to move, this loan lets you stay put.
Three ways to access your money
Inviva’s home equity release loan has three drawdown options, giving you the flexibility to access funds when it suits you. Interest is only charged on funds that have been drawn down.
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.
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. Interest is charged on the amount that you draw down.
The minimum drawdown for this option is $1,000.
Regular income payments
Manage your day to day living expenses with a regular monthly income payment.
The minimum drawdown amount for this option is $500 per month.
Or choose a combination of these options.
How it works?
Accessing the equity in your home has never been easier
Use our free property calculator
Decide how you would like to receive the funds
Complete our fast, secure and easy online application
Once we have received your application
We provide you with detailed equity projections
Your application gets assessed by our experienced credit team
Once approved, we work with your solicitor to get your loan settled
Am I eligible?
Simple eligibility criteria
Our eligibility criteria is simple and transparent
- No proof of income required — making it easier to get a loan.
- 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.
- We welcome both Australian citizens and permanent residents, including NZ citizens with a Special Category Visa.
- Don’t worry if your home isn’t fully paid off – provided you can pay out the existing mortgage with the proceeds of new loan, you may still be eligible.
Keeping you safe and ensuring you understand your obligations
Inviva’s home equity release loan also comes with some important protections
- Lifetime occupancy guarantee — where the loan is secured against the property that you live in (and the loan does not have a term), you can stay in your home and community 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.
- Independent legal advice and support — we want to make sure you understand your obligations and get support from an independent expert. You will need to pay for this advice, but we can help you find a solicitor that works best for you.
What our customers are saying
Inviva has responded to my needs with minimum of fuss. I received approval very quickly and the funds were made available in a very short time. A great company
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
A great easy process with the funds available in under 2 weeks and it was very easy to complete all required documentation
Inviva's web page provided sufficient information to continue the application process. Each step was confirmed and once our application was submitted follow up emails continued until settlement
I would like to thank Inviva for great and quick service. Job well done, thank you
Pleasant and professional service and advice - all enquiries promptly answered. Highly recommend
Try our free online calculator
Try our free online calculator to get an immediate property estimate and see how much you can borrow
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.
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Frequently Asked Questions
