Helping clients stay at home longer
As Australians approach retirement, many have built significant wealth in their homes but may have limited access to cashflow funds to support their lifestyle, retirement goals, aged care needs, or family commitments.
Inviva partners with financial planners and advisors to help clients aged 55 and over release equity they have built up in their home or investment property for a variety of retirement objectives.
By incorporating home equity into retirement planning conversations, advisors can help clients unlock additional flexibility without necessarily selling assets, drawing down superannuation earlier than planned, or disrupting long-term financial strategies.
Inviva provides specialist lending expertise while allowing advisors to remain focused on delivering strategic financial advice and retirement planning outcomes.
Benefits for your business
Broaden retirement strategies
Introduce another solution that can complement your existing retirement advice.
Support more client outcomes
Help clients fund a wider range of retirement objectives using existing home equity.
Maintain strategic advisor relationships
You remain focused on strategic financial advice while Inviva manages the lending process from application through to settlement.
Trusted specialist
Partner with a lender focused exclusively on Australians aged 55+.
Benefits for your clients
Access property wealth without selling
Greater retirement flexibility
Support a range of retirement objectives
Support aged care needs
Work alongside existing HEAS arrangements
Flexible access to funds
Helping Helen* enjoy retirement on her own terms
Helen, a retiree in her late 60s living in North Rocks, Sydney, had been transitioning to retirement over the last few years. After decades of raising a family in the same home, she wanted to make her retirement years more comfortable and enjoyable.
Helen had always loved cooking and entertaining, but her old kitchen was no longer practical or inspiring. With her children now raising a young family of their own, she dreamed of creating a modern kitchen where she could cook more family meals and spend quality time with her grandchildren.
However, Helen didn't have access to the funds she needed. Rather than downsizing or drawing heavily on her retirement savings, she consulted with her financial advisor before approaching Inviva to explore whether releasing equity from her home could help fund the renovation.
Helen decided to unlock $140,000 of equity from her home, providing greater financial flexibility while continuing to live in the home she loved.
The kitchen renovation was budgeted at $70,000, with the funds structured as a line of credit. This allowed Helen to pay her builder in instalments as each stage of the renovation was completed, while only paying interest on the funds she actually used.
The new kitchen transformed the heart of her home, with modern appliances, more space, and a layout designed for cooking and entertaining. The remaining available funds also provided Helen with an additional financial safety buffer for future retirement needs. She hopes to take a long-awaited trip to Canada and Alaska next year.
For Helen, releasing equity from her home helped turn a long-held dream into reality without impacting her day-to-day retirement lifestyle, providing greater freedom, flexibility and confidence to enjoy the next chapter of her life.
Partner with Inviva
Speak with our team about a specific client situation and explore whether a Home Equity Release Loan may support their retirement objectives.
Learn more about partnering with Inviva and how home equity solutions can complement your advice offering.
Contact our Partnerships Team on 1300 222 223
Inviva holds its own Australian Credit Licence (ACL 533319) and manages the entire lending process, so referring a client never places any credit licensing or advice obligation on you or your practice.