Take a refinance health check and see if your current loan still fits

Loans can age badly, and a simple loan health check helps you find out whether your current setup still works for your current life (not the one you had years ago). From flexibility to structure, this is a sharper way to review your mortgage and see whether refinancing could leave you better placed.

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Inviva’s quick refinance health check

Is your current interest rate higher than 8.95%?

YES
NO

Would you like access to a line of credit as part of your loan and don't already have one (access funds only as you need to and don’t pay interest on undrawn funds)?

YES
NO

Is getting access to additional funds difficult with your current reverse mortgage?

YES
NO

Do you want to borrow more funds?
Use our Home Equity Release calculator to find out how much you could borrow

YES
NO

See how you went

Congratulations on completing your reverse mortgage health check.

Your current loan may already meet your needs.
But if you want to find out more about what Inviva can offer, click below to read about our reverse mortgage or request a call with one of our team.

Loan featuresHow it compares?Request a call

Congratulations on completing your reverse mortgage health check.

Your current loan could be a good fit, but you might be able to do better.
Click below to see how much you could borrow from Inviva or request a call with one of our team.

How much can I borrow?Loan featuresRequest a call

Congratulations on completing your reverse mortgage health check.

It could be time to think about refinancing.
Click below to apply or find out more about how Inviva can help.

Apply nowLoan featuresRequest a call

When it may be time to rethink your loan

1

Your financial priorities look different now

The loan that was perfect a few years ago may not suit the way you live today. If your focus has shifted to managing everyday costs, funding retirement plans or creating more breathing room, it may be worth taking another look.
2

You need access to equity in a more flexible way

Not everyone wants or needs funds all at once. If your current arrangement does not give you enough control over how and when you access money, refinancing may open the door to a structure that feels more practical.
3

Your current loan feels harder to live with

Sometimes the issue isn’t dramatic, just persistent. Does your loan feel rigid, unclear or poorly matched to your needs? That friction can be a sign it is no longer doing its job as well as it should.
4

You are planning more carefully for the years ahead

Refinancing often becomes more relevant when people start thinking seriously about longevity, lifestyle and financial confidence. A quick mortgage health check and review can help you assess whether your current setup still supports the future you are trying to shape.
5

You have not reviewed your loan in a long time

Loans have a way of fading into the background, even when they stop being a good fit. If it has been years since you looked closely at the structure, features and flexibility of your loan, that alone is a reason to revisit it.

Explore Inviva’s refinancing options

Refinancing is not one-size-fits-all, and the right call depends on your age, income, cash flow and how you want to access or manage equity over time. Comparing mortgage loans can help clarify which structure fits your life now and what comes next.

Reverse mortgage loan

A reverse mortgage loan is designed for older homeowners who want to access equity without required monthly repayments while they remain in the home. It can suit those seeking flexibility, especially when retirement income is fixed but property wealth is substantial.
Learn More

See what a better-fit loan could look like

If our easy-to-use refinance health check suggests there could be a better fit, look no further than Inviva. We offer flexible home equity loans for over 55s, backed by specialist support, transparent costs and a faster, more responsive process. Whether you want to access funds as a lump sum, regular income stream or line of credit, we take a modern, solutions-focused approach to finding a structure that suits your life now.
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Contact us at info@inviva.com.au or call 1300 222 223 to speak with the Inviva team about your options.

Frequently Asked Questions

What is a refinance health check and how can it help you decide if refinancing is right?
How does a refinance health check assess whether your current loan is still suitable?
What factors are reviewed in a refinance health check before switching lenders?

Free home equity release loan guide

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