Helping mortgage brokers unlock more opportunities for clients aged 55+
Many Australians aged 55 and over are asset rich but cash poor
While they may hold substantial equity in their home or investment property, traditional lending policies can make it difficult to access that wealth due to income, serviceability, or retirement-related constraints.
Inviva partners with mortgage brokers to provide home equity release loans that help eligible clients access the equity they have built up in property over time. By assessing applications based primarily on age and equity position rather than income serviceability, Inviva opens opportunities that may otherwise be unavailable through traditional lending channels.
With no regular monthly repayments and no proof of income required, Inviva provides a practical funding solution beyond the scope of many traditional lenders, for asset-rich, cash-constrained clients.
Benefits for your business
Strengthen client relationships
Help clients achieve their goals, from a first home for their children to retirement plans for the parents. Become a trusted adviser across generations.
Expand your revenue opportunities
As clients transition into retirement, their lending needs often change. Home equity release loans allow brokers to continue supporting existing customers who have significant property wealth, creating additional opportunities within their current loan book while strengthening long-term client relationships.
Say "Yes" more often
Provide solutions for clients who may not meet traditional lending serviceability requirements.
Support more borrower scenarios
Inviva can assist with funding for:
- Renovations
- Refinancing
- Debt consolidation
- Helping children with a home deposit
- Aged-care or in home care
- Purchase of assets (e.g. vehicles, caravans)
- Medical needs
- Business and investments
Specialist support
Whether you are looking for a simple spot and refer model or accredited broker pathway, Inviva provides support to help brokers confidently navigate the reverse mortgage market.
Benefits for your clients
Support your clients’ retirement goals
Access equity without selling their home
Strong consumer protections
- Responsible lending obligations
- Vulnerability assessments
- Independent legal advice requirements
- No Negative Equity Guarantee
- Lifetime occupancy protections where applicable
No regular repayments required
Flexible access to funds
- Lump sum payments
- Regular income payments
- Line of credit facilities, or
- A combination of these options
Fast and simple process
Helping the next generation into their first home
Murray and Susan*, a retired couple in their mid-sixties from Kew, Melbourne, wanted to help their son James and his young family purchase their first home. Like many young families, James and his partner were finding it difficult to save for a home deposit while managing rising living costs.
After consulting with their mortgage broker, Murray and Susan decided to explore a home equity release loan with Inviva, allowing them to unlock part of the wealth they had built up in their own home to help their son. By using Inviva’s BOMAD calculator they were able to quickly estimate the financial benefits.
Murray and Susan contributed $220,000 towards James' home deposit, enabling James and his family to purchase their first home in an area close to their family. By assisting with the deposit James was able to avoid incurring additional costs such as Lenders Mortgage Insurance.
By helping when it mattered most, Murray and Susan were able to see their family enjoy the benefits of home ownership today, rather than waiting to pass on their wealth as an inheritance.
Two homes are better than one
With both families now owning their own homes, they are well positioned to benefit from any potential property appreciation.
All going well, James plans to refinance in a few years and pay back his parents all or part of the funds.
Partner with Inviva
Help more clients achieve their goals in retirement.
Whether you're looking to refer a client, become accredited, or learn more about how releasing home equity can support clients aged 55 and over, our Partnerships team is here to help.
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.