inviva
- Company typePrivate
- Founded2023
- HeadquartersEdgecliff, Australia
- Headcount11–50
- GTM typeB2C
- OfferingServices
inviva firmographics
Firmographics- Name
- inviva
- Legal name
- Inviva Services Pty Ltd
- Website
- https://inviva.com.au
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
inviva industry classification
Industry- Product category
- Reverse Mortgage / Home Equity Release Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Reverse Mortgage Origination (HECM & Proprietary) (FSALAIAA)
- akta.pro secondary industry
- Reverse Mortgage Servicing & Subservicing (FSALAIAC)
Keywords
Where inviva is headquartered
LocationHeadquarters
- HQ city
- Edgecliff
- HQ country
- Australia
- HQ region
- Oceania
Offices1 record
Markets served
inviva business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Interest Income: Interest accrues on outstanding loan balances at 8.95% per annum (comparison rate 8.98%). Interest capitalizes and increases over time as no regular repayments are required until loan settlement.
- Loan Establishment Fee: One-time upfront fee of $995 charged at loan settlement to cover arrangement and documentation costs. Higher fees may apply for complex loans.
- Valuation Fees: Online valuation included in establishment fee. Full in-person valuations passed on at cost if required.
- Discharge Administration Fee: Fee of $450 payable on discharge of any security interest either during or at the conclusion of the loan.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Home Equity Release Loan - Standard Product |
| Other | Pay-as-you-go | Investment Property Equity Release Loan |
Go-to-market motion4 records
Distribution channels3 records
Marketing channels7 records
inviva product offering
Product offeringCore offering
Inviva is an Australian lender that provides home equity release loans (reverse mortgages) to homeowners aged 55 and over. Borrowers can access equity in their primary residence or investment property without selling or making regular repayments. The company offers flexible drawdown options including lump sum, regular income payments, or line of credit, with a no-negative-equity guarantee and lifetime occupancy guarantee on primary residence loans.
Product overview
Inviva is a specialized Australian lender offering home equity release products for Australians aged 55 and over. The core product portfolio consists of three main loan products: the Home Equity Release Loan (an evergreen reverse mortgage for primary residences), the Investment Property Equity Release Loan (for investment properties with a fixed term), and the Forward Mortgage Loan (for refinancing traditional repayment mortgages into equity release structures). The company also offers a suite of complementary tools including a Home Equity Calculator, a Bank of Mum and Dad Calculator, and a Refinance Health Check tool, all designed to support the sales funnel and customer financial planning. Additionally, a secure online customer portal is provided for existing borrowers to manage their loans. The products are distributed through an online application portal, mortgage brokers, and direct channels.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- Decisions provided in as little as a few days with settlement shortly after
- +3 more outcomes
Companies that use inviva
Customer profileNamed customers7 records
Segments3 records
Ideal customer profiles3 records
inviva technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
inviva partnerships and signals
Strategic signalScale indicators5 records
Recent moves6 records
Expansion highlights5 records
inviva competitors and assessment
Company assessmentDirect peers
- Heartland Group Holdings: Heartland Group is a trans-Tasman reverse mortgage and asset finance lender (operating as Heartland Australia). It offers reverse mortgages to Australian homeowners aged 60+, competing directly with Inviva's core product on pricing, distribution, and target demographic.
- Senior Aussie: Senior Aussie is a specialist Australian reverse mortgage lender focused on the over-60s market. It offers equity release loans against primary residences, competing head-to-head with Inviva on age thresholds, product features, and broker/referrer distribution.
- Pallas Capital: Pallas Capital is an Australian non-bank lender that provides reverse mortgage and senior finance products. It targets the same over-55/over-60s demographic as Inviva and operates through mortgage brokers and direct channels.
Broad incumbents
- Commonwealth Bank of Australia (Reverse Mortgage): CBA, Australia's largest bank, offers reverse mortgage products as part of its broader retail banking portfolio. It competes with Inviva on home equity release but with vastly larger funding, distribution, and brand trust, while not specializing in the niche.
- Bendigo Bank (Reverse Mortgage): Bendigo Bank offers reverse mortgage and senior finance products through its retail branch network across regional Australia. It is a broad incumbent lender that overlaps with Inviva's primary-residence equity release offering.
- Aussie Home Loans: Aussie is a major Australian mortgage broker and lender that distributes reverse mortgage products alongside its broader residential mortgage book, giving it indirect overlap with Inviva's target customer and broker-referral channels.
Regional players
- Homeloans (MyConnect / Homeloans Ltd): Homeloans Ltd is an Australian non-bank lender offering residential mortgage products including senior-focused options. It overlaps with Inviva in the Australian mortgage market but with a broader product set and less reverse-mortgage specialization.
Others
- Lifetalk / Equity Release Council (UK reference): While UK-focused, the Equity Release Council represents lenders offering products with similar mechanics (lifetime mortgages, home reversion plans). It is a useful thematic and structural comparator for the Australian reverse mortgage category Inviva serves.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
inviva social profiles
Digital presenceinviva financial estimates
Financial estimateRevenue estimate
Valuation estimate
inviva leadership team
Management profileNumber of profiles
Profiles1 record
inviva funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
inviva M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about inviva
What does inviva do?
Inviva is an Australian lender that provides home equity release loans (reverse mortgages) to homeowners aged 55 and over. Borrowers can access equity in their primary residence or investment property without selling or making regular repayments. The company offers flexible drawdown options including lump sum, regular income payments, or line of credit, with a no-negative-equity guarantee and lifetime occupancy guarantee on primary residence loans.
Is inviva a public or private company?
inviva is a private company. It is classified as unknown and is currently operating.
When was inviva founded?
inviva was founded in 2023. It employs 11 to 50 people.
Where is inviva based?
inviva is headquartered in Edgecliff, Australia, in the Oceania region.
How does inviva make money?
Four revenue lines are on record. Interest Income is the primary driver. The others are loan Establishment Fee, valuation Fees and discharge Administration Fee.
Who are inviva's main competitors?
Direct peers on record are Heartland Group Holdings, Senior Aussie and Pallas Capital. Broad incumbents are Commonwealth Bank of Australia (Reverse Mortgage), Bendigo Bank (Reverse Mortgage) and Aussie Home Loans. Homeloans (MyConnect / Homeloans Ltd) is listed as a regional player. Lifetalk / Equity Release Council (UK reference) is listed as an others.
Does inviva have an API?
No public API is recorded for inviva.
What industry is inviva in?
inviva's product category is Reverse Mortgage / Home Equity Release Lending. Its primary akta.pro industry code is FSALAIAA, Reverse Mortgage Origination (HECM & Proprietary), with a secondary code of FSALAIAC, Reverse Mortgage Servicing & Subservicing. Its NAICS code is 52231 and its SIC code is 6162.