Refinancing Home Equity Loan
The loan that suited you years ago may not suit you now. Refinancing a home loan to access equity can help you handle changing expenses, back future plans and make more of the life you have worked hard to build. Learn more about refinancing today.



Benefits of refinancing to a home equity release loan
Keep more control over your cash flow
No regular repayments required
Access equity without selling your home
Repay early if your plans change
Built-in consumer protections
Why choose Inviva?
Inviva combines specialist reverse mortgage experience with a practical, human approach. For those looking at refinancing to a home equity loan, that translates to clear guidance, flexible features and support from a team that understands later life lending.
- Expertise & support — Inviva focuses on home equity lending for Australians over 55, with a team that understands the concerns and goals that often come with refinancing later in life.
- Transparent costs — Inviva keeps costs and loan features straightforward, so you can make informed decisions without feeling lost in complicated language or hidden surprises.
- Flexible options — Choose how you access funds based on what suits you best, whether that is a lump sum, regular payments or a line of credit that gives ongoing flexibility.
- Quick access — When timing matters, a responsive process can make all the difference. Inviva offers fast application and approval, helping eligible borrowers access funds sooner and with less friction.

Take our refinance health check
Our refinance health check is a simple way to see whether your current loan still suits your needs. It helps identify opportunities to improve flexibility, access funds more effectively and feel more confident about your next move.
Take the testWant to learn more?
Inviva offers flexible home equity loans for over 55s, with fast approval, responsible lending and a team that is informed and easy to deal with. Email info@inviva.com.au or call 1300 222 223 to speak with us.
Request a callFrequently Asked Questions
Refinancing a home loan to access equity usually means replacing your current loan with a new one that better suits your needs and lets you draw on available equity in your property. This can include a reverse mortgage or home equity release structure, where eligibility depends on factors like age, property value and loan features. It is important to compare flexibility, costs and long-term impact before proceeding.
Yes, in some cases, refinancing a home equity loan can help unlock more funds, but it depends on your age, your property’s current value, your existing loan balance and the lender’s criteria. With a home equity mortgage refinancing loan, borrowers may move to a product with different drawdown options or better alignment with current goals. Any increase in borrowing should be weighed against future equity and interest growth.
In refinancing a home loan to access equity in Australia, consider the interest rate, fees and how increasing your loan will impact your repayments and total interest over time.
It’s also important to think about your Loan-to-Value Ratio (LVR), loan features like offset or redraw and whether the funds will be used for a worthwhile purpose. Ultimately, ensure the refinance strengthens your overall financial position, not just your short-term cash access.