Specialist Equity Release Loan

Bespoke equity release solutions designed for your unique financial goals

Calculate my property valueRequest a call
Happy man who's taken out home equity loan carries grand daughter

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.
Cool couple enjoying their own home

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 8.70% p.a. (comparison rate 8.74%*)

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

Key features of an Inviva equity release loan

Who can benefit?

Receive your money as an up front lump sum, regular income payments, a line of credit, or a combination of these.

No proof of income needed

Qualify without needing to show proof of income.

No monthly repayments

Enjoy the freedom of no regular repayments. Interest is added to the loan balance over time.

Lifetime occupancy guarantee

If the security property is the home you live in, provided you meet all loan obligations, you can stay in your home as long as you need.

No negative equity guarantee

You will never owe more than the value of your home.

Personalised support

Receive guidance from our expert team throughout the process.

Fast and secure application

Complete our digital application in less than 30 minutes.

Quick disbursement

Get your funds quickly with fast approval and disbursement.

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.
Cool couple enjoying their own home

Competitive interest rate

Currently from 8.70% variable rate (8.74% 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.

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.
Get StartedRequest a call
Cool couple enjoying their own home

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?

Free Home Equity Release Loan Guide

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Your personal information, including your email, will be used and held in accordance with our privacy policy.

Request a Call

Exit popup