Specialist Equity Release Loan
Bespoke equity release solutions designed for your unique financial goals
Who's our Specialist Equity Release Loan for?
Inviva’s Specialist Equity Release Loan is designed for customers who require tailored equity solutions beyond our core products. It suits borrowers seeking customised loan structures aligned to specific financial strategies.
- Borrowers seeking structured term solutions
- Financially savvy customers looking for bespoke funding arrangements to meet unique timing or liquidity objectives
- Get up to $5 million+ in cash — the amount that can be accessed is based on property value and situation
What are Specialist Equity Release Loans typically used for?
Inviva’s Specialist Equity Release Loan can be for most legitimate purposes. If you're not sure if your situation will qualify get in touch with one our experts, we'd be more than happy to help.
High‑value refinancing
Restructuring existing obligations or unlocking equity for strategic opportunities
Wealth transfer or family support
Providing funds for inter‑generational planning or settlements
Bridging to a planned sale or cash injection
Downsizing, asset sales, or inheritance planning
Short‑term capital requirements
Enabling financial flexibility without forced asset sales
Specialist Equity Release Loan Features
Term‑based structure — typically 3–5 years, tailored to borrower objectives and exit strategy
Bespoke pricing and terms — interest rates from 9.20% p.a. (comparison rate 9.24%*)
Stay protected — no negative equity guarantee means the amount owing at the end of the term can never be more than the value of the property
Flexible drawdown options — upfront lump sum, monthly payments or a line of credit, giving you flexibility to access the funds when you need them
Specialist credit process — high‑touch manual assessment to deliver customised solutions
Highly experienced team — proven ability to structure and manage larger transactions
What does it cost?
Inviva is committed to offering competitive pricing and transparent fees and charges. We regularly review our interest rates and fees and charges to ensure they remain competitive.
Competitive interest rate
Currently from 9.20% variable rate (9.24% comparison rate*)
Fees
- There is a 0.9% loan establishment fee for loans up to $2m (for loans over $2m we will provide a fee quote) — this fee includes assessment and loan documentation costs. There are no ongoing monthly fees
- In-person valuation — we will provide you with a quote in advance and will not proceed without your consent. In person valuation costs are required to be paid up front
- Government charges may also apply — these typically include a mortgage registration fee and a mortgage discharge fee (if we are discharging a current mortgage), or in person settlement fees if these apply. These will all be disclosed in your loan offer before you commit
- A discharge administration fee of $450 is payable on discharge of any security interest either during or at the conclusion of the loan — and any applicable government costs that apply to discharge the mortgage
* Comparison rates are based on a secured loan of $150,000 over a 25-year term.
WARNING: comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
WARNING: comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Why choose Inviva?
- Bespoke approach — tailored solutions for unique circumstances
- High‑level expertise — proven ability to structure and manage larger transactions
- Referrer‑friendly — transparent communication and collaborative process with brokers and advisors
Explore how a Specialist Equity Release Loan with Inviva can help unlock a more secure and fulfilling retirement.
Frequently Asked Questions
When may a Specialist Equity Release Loan be applicable for a client?
What are the Specialist Equity Release Loans' fees and interest rate?
How much involvement is required from me once the loan is introduced?
What makes this loan ‘specialist’?
What happens at the end of the loan term?
How does this loan fit within the broader equity release offering?
