Helping legal professionals deliver better outcomes for their clients

Legal matters often involve more than documents and advice. They frequently involve financial challenges that require practical solutions.

Whether you're assisting a client through a family law settlement, estate administration, aged care transition, or complex property matters, access to funding can become a critical obstacle. 

Inviva partners with legal professionals across Australia to help eligible clients aged 55+ unlock the equity in their property without needing to meet traditional income-based lending requirements. 

By providing access to flexible home equity release solutions, we help legal professionals resolve matters more efficiently while supporting better outcomes for their clients. 

Benefits for your business

Add value to client relationships

Offer clients a practical funding solution when conventional lending options are unavailable.

Solve complex matters faster

Help remove financial roadblocks that can delay settlements, estate administration, aged care transitions, and property matters. 

Simple referral process

A referral is all that's required. Inviva manages the application process from initial contact through to settlement. 

Specialist legal support

Independent legal advice remains a mandatory part of the process, while Inviva manages the lending journey and works alongside legal professionals to support better client outcomes. 

Benefits for your clients

Many older Australians are asset-rich but cash-poor. While they may have significant wealth tied up in property, accessing funds through conventional lending can be difficult. Inviva can help clients: 

Remain in the family home

Help eligible clients remain in their home while accessing equity to achieve important legal and financial outcomes. 

Fund aged care costs

Access funds for Refundable Accommodation Deposits (RADs) and ongoing care expenses without forcing the immediate sale of the family home.

Manage estate administration

Provide liquidity to cover legal costs, property expenses, and estate obligations while probate or administration processes are underway.

Support estate planning strategies

Help clients access funds for gifting, inheritance equalisation, or future care planning while retaining control of their assets.

Access funds without traditional lending barriers

Loan assessments are based primarily on age and available equity rather than employment income or retirement cash flow.
Customer Spotlights

Securing the family home after separation

Karen*, a 62-year-old semi-retired teacher from Elanora Heights on Sydney's Northern Beaches, found herself facing a difficult decision following the breakdown of her marriage.

After more than 25 years in the family home, Karen was determined to remain in the property where she had raised her children and built a lifetime of memories. As part of the property settlement, she needed to pay out her former husband's share of the home's equity to retain ownership of the house.

After her bank was unable to provide the funds she needed given her age and income, Karen's lawyer suggested exploring a Home Equity Release Loan as a way to access some of the value locked up in her home without needing to sell.

After carefully considering her options, Karen used the equity in her property to fund the settlement and pay out her former husband's share, allowing her to secure sole ownership of the family home.

Remaining in the home meant Karen could stay close to friends, maintain her local support network, and continue enjoying the lifestyle she had built over many years. It also provided important emotional stability during what was otherwise a stressful and uncertain life transition. 

Karen says keeping the home gave her a sense of control and confidence about the future, allowing her to focus on the next chapter of her life rather than the upheaval of moving. 

Karen's story highlights how a Home Equity Release Loan can provide a practical solution for people navigating a property settlement who wish to remain in their home while moving forward with greater financial and emotional security. 

*Client success stories are inspired by real borrower scenarios. Names and some details have been changed to protect privacy.

Partner with Inviva

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.

Compare our loans

Home Equity Release Loan

Investment Property Equity Release Loan

Specialist Equity Release Loan

Our Loans View > View > View >
Age eligibility 55 and over 55 and over 40 and over
Who it suits Over 55 home owners with property equity who need funds but don’t want to sell or downsize Over 55 investment property owners who want to access some of their property equity for other needs Those requiring specialist solutions who may be younger, cashflow constrained or require a temporary solution
No regular repayments required
No proof of income required
No negative equity guarantee
Lifetime occupancy guarantee
Ways to access funds
  • Lump sum
  • Line of credit
  • Monthly payments
  • Lump sum
  • Line of credit
  • Monthly payments
  • Lump sum
  • Line of credit
  • Monthly payments
Loan term No term
Property ownership retained
Voluntary repayments permitted
Loan repayment conditions At any time At any time or end of term At any time or end of term
Experienced customer team
The information on this website is general in nature and does not take into account your personal circumstances, objectives or financial situation. Before acting on information on this website, please consult your professional or financial advisor to determine whether it is appropriate for your circumstances.