1300 893 199

About Us

Settlement Advances - Fast Funding Property Solutions - Buy Before You Sell!

Who Are We?

Settlement Advances is a trading name of RealtyAssist Australia Limited.

As the name suggests, we offer Settlement Advances across Australia, with our head offices in the heart of Perth, Western Australia. We also have offices and agents based in the eastern states, in Queensland, New South Wales and Victoria.

Our Head Office Address is Settlement Advances, Settlement Advances, Realty Assist Australia Limited, 3/507 Murray Street, Perth, WA 6000.

ABN 72 639 613 808
ACN 639 613 808

See Contact Us if you would like to get in touch with us.

We offer a fast funding solution to people who are equity rich, looking to sell their home or other property, but needing access to that equity value fast. With this in mind, our team are very responsive and will process your application as quickly as possible, so you don't miss out on an opportunity, due to cash flow issues in the process of selling your property.

Our customers generally come to us, for a faster solution than bridging loans, caveat loans or home equity loans can provide. They often want funds to put down a deposit on a property that they would otherwise miss out on. However our settlement advances are also useful when bidding at auction on a property or even buying a property outright.

Prior to sale, we can also assist with advances for the purpose of home renovations, as well as other costs involved in preparing the property for market, such as estate agent advertising fees, also known as vendor paid advertising costs.

See Pre Settlement Loans to learn more.

Get Started

Why Choose Us?

★★★★★ 5 Star Customer Ratings!

We have around 500, 5 Star reviews, currently with a 4.9 star rating in Google Reviews, under our parent company, Realty Assist - who provides the funding.

Fast Funding from $5K to $5M

We are able to fund your settlement advances in as little as 24 hours, when needed urgently. Our advances range from as little as $5,000 to help prepare your property for sale or cover your advertising costs - via our Vendor Paid Advertising product. Advances can go up to $5,000,000 or up to the available equity value you have built up in your property1 - minus our fees.

No Property Appraisal Delays

Unlike other options, such as bridging loans or home equity loans; if your property has an unconditional offer, we do not need to run a property appraisal, so no frustrating delays processing your application.

Clear Upfront Credit Fees

Example fees are listed on this website, however our friendly staff will provide you with clear upfront fees, before you agree your contract with us.

Great Customer Service

One of the reason we get such good 5 star reviews is our friendly and fast response, when speaking with customers. We can work to your schedule and are here to help!

You can contact us, during office hours on 1300 893 199 and our friendly team will do our best to assist.

If you prefer, you can always email us at info@settlementadvances.com.au and will get back to you in due course.

609 Google Reviews
Nicole Rumenos
Made it every easy for me and very reasonable interest if you choose to pay later
March 2023
Aleisha Puca
Completely seamless process! Highly recommend.
March 2023
Raymond John Melton
I found this Business a pleasure to deal with, professional, expedient, & simplistic. highly recommend this Business & its Services to anyone seeking assistance pre, during or post selling a property.
March 2023
Lesley Cooke
The answer to my prayers! Wanting to sell a house but not having the funds to show it off correctly was a worry. This system has allowed me to tidy up the place and market it well. Can I give six stars? Worth it
March 2023
A wonderful Company, that you can use when you don’t have any extra money coming in from rent, while in the process of selling your place. It lifts a lot of pressure off us. What a great service. Total recommend to all my friends.
March 2023
Meg G
This is a fantastic service that reduces the financial pressure of selling your home when there’s already so many expenses! Highly recommend!
February 2023
D Scotcher
Definitely helps with the cash flow when selling the house …. Fees come out of settlement funds
February 2023
Kitty Hunter
A big shout out to Mel who is an absolute delight to deal with - she's extremely knowledgeable with any queries that I have, is always prompt to respond with further information if required, and is just lovely to deal with in general.
February 2023
Troy Matheson
Great idea and helpful in tough times when so many expenses come up when selling a property
February 2023
Kristy-Lee Guazzo
Karyn at explore is efficient, responsive and delivers exceptional results. She made the process of selling our properties extremely easy.
January 2023
Casie Black
Mel, from the customer success team was nothing short of efficient. Thank you for making life easy.
January 2023
Donna Hansen Clish
These guys really go the extra mile they know what you want and make it happen. Dreams really do come true.
January 2023
Ritesh Jain
Daniel Waters is amazing. He is very knowledgeable, helpful and always ready to help. I will highly recommend his service.
January 2023
Jason Lamaro
This place has taken the stress out of the process ,i recommend these guys to anyone new to the process of selling a property
January 2023
Laura Twining
Great service, easy to use - takes the financial pressure off at an already stressful time
December 2022
Wendy Young
I’m impressed with the level of professionalism and like that I am constantly informed of what is happening
December 2022
Lilo Stadler
A well thought out service, easy to understand and use. The cost is not prohibitive. So far I cannot see any reason for not using it and I shall report again at the conclusion of the process.
December 2022
Leanne Coleman
Great system, giving option to pay advertising on settlement, smooth very easy to use!!
November 2022
Terry Mezger
Easy to use. Good repayment terms that allow for settlement terms
November 2022
Star Guo
It is a easy and quick process to arrange my marketing fees to be paid after the property is sold. Great service and very handy!
November 2022
Olimpia Chilnicean
Very professional and friendly service, doesn't waste time. Good communication
October 2022
Stephen Choy
Great service and understanding of individual circumstances to accommodate with this service for our property sales journey
October 2022
Leonie Kitchen
We have had many experiences selling property, however this is our first experience having the opportunity to defer Advertising costs. This is a good service to allow extra time and hopefully deduct costs at settlement.
October 2022
Heath Family
Makes managing payments so efficient, takes the worry out of $$ management, giving you the option to defer your payments takes so much stress out of an already hectic time... press and forget
September 2022
Kieron Gubbins
Very prompt professional service and would definitely use them again.
September 2022
Tom Morris
I used this service to pay the marketing costs of listing my property, and it was a very easy and seamless process.
August 2022
Anna Devlin
Very quick and easy to get the application approved, and one less thing to stress about when selling your home.
August 2022
Dani Evans
Such an easy, straight forward process! Super fast, we had our approval overnight, we applied outside of business hours and Sam phoned by 9am the next morning. Very simple to use interface and the links provided were very self explanatory, even gave a breakdown of fees. Sam was an absolute lovely bloke to deal with and so helpful! Cannot fault our experience and would recommend 100%
August 2022
Kim Kelly
Being able to defer payment was fantastic for us. Our campaign was able to commence immediately and our house was on the market straight away. This is certainly a bonus
July 2022
Alex Speirs
To all concerned, it's been really good working with Realty Assist, they understand that the initial outlay of selling your property can be stressful and in this day and age money can be tight for most families. Realty Assist helps reduce the stress by deferring the on costs until the property sells. Thanks for your understanding Realty Assist.
July 2022
Dellas Port
Wow! What a fantastic way to assist seller's by deferring market costs until settlement. And so easy to use. Not only do they take the financial stress out of putting your home on the market, but they will even lend you more money to fix up those little things around the house so that you can present your home in the best possible way. And again, repayment is deferred until settlement. Cannot recommend more highly.
June 2022

How it Works - Settlement Advances

Selling or Sold Property

Selling Property
You are selling or have sold your property but you need access to some or all of the settlement funds - fast - before it settles.

Get in Touch

Get in Touch
You get in touch and let us know how much and how fast you need access to your settlement funds.

Process Application

Process Application
We review your details, process your application ASAP and keep in touch with you at every step.

Pay Settlement Advance

Pay Settlement Advance
We quickly pay your settlement advance into your chosen account, as soon as your application has been approved and you have agreed terms.

Use Advance Funds

Use Advance Funds
You use your advance to bid at auctions, put down a deposit, buy your new home, make repairs or for any other approved settlement advance purpose.

Need More Time?

Extend Advance
Your advance is set up to run for 60 days. However, if you need more time before your property settles, please contact us for assistance.

Property Settlement Completes

Settlement Completes
Your property settles and your Settlement Advance is automatically repaid out of the settlement funds.
Your Settlement Advance application will take only a few minutes to complete, so you can get your funds as quickly as possible.

About Us: Frequently Asked Questions

What are Settlement Advances?

Settlement advances are a type of home equity loan providing a way to access the equity value in your property, before the 'settlement' date completes. The advance may be used for any number of purposes, from putting down a deposit on a new property, to bidding on your dream property at auction. Prior to your property listing, Settlement Advances can also provide access to funds to assist preparing the property for sale (via Realty Assist's VPA product). This may help push up the price, get it listed sooner or help get the property sold faster.

What are bridging loans?

Bridging loans provide short term finance as a way to 'bridge' the gap in time between selling your property, to allow you to buy your new home. They are generally set up to run up to 12 months, which is much longer than a settlement advance, which is set up for an initial 60 days. Bridging loans often come with delays, while the application is reviewed, which may take 2 or 3 weeks.

Settlement Advances are similar to short term bridging loans for a faster short term loan, which can be paid to you in 24 - 48 hours, and repaid when your property settles.

What part of Australia do you operate in?

We operate in every state, across the whole of Australia.

Do you offer an alternative to Section 27 Early Deposit Releases?

Yes, we do; see our Early Deposit Release page for more details on how this works Australiawide.

Where are you located?

Our head office is located in the heart of Perth, although we have agents and offices in other states, such as Queensland, New South Wales and Victoria.

What kind of properties do you accept?

We can accept a wide variety of property types, from apartments & units, houses, commercial property to land.

Is it better to buy before you sell?

This will depend on your individual needs and financial circumstances. Please see our guide, buy before you sell your home for more information.

Do you offer commercial settlement advances?

Yes we do. If you have an unconditional offer and need access to the funds before the settlement date, we could help.

How much could I borrow with you?

We offer settlement advances from $5,000 up to $5,000,000; however, the amount you could advance with us will depend on the equity value you have locked up, in the property for sale. We can offer advances up to your property value, minus our fees1.

What is the LVR of a settlement advance?

Your advance can be up to 80% of the equity1 you have in the property, minus our fees.

What happens if I need the advance for longer than agreed?

If you find you need more time, please contact us to discuss your needs and we will do our best to assist.

How can I contact you?

If you would like to get in touch, you can Contact Us by chat, email, phone or contact form.

How can I learn more about real estate financial terminology?

Check out our real estate terminology page for some quick definitions on all the jargon.

Our Agency Partners

  • Centrury 21 Logo
  • Harcourts Logo
  • LJ Hooker Logo
  • One Agency Logo
  • Perth Realty logo
  • Professionals Logo
  • Raine Horne Logo
  • Remax Logo
  • SLP Logo
  • Smile Elite Logo
  • The Agency Logo
  • Wiseberry Logo
  • Laing + Simmons Logo

Also See:

Contact Us - We are available via web form, phone, email or mail to answer any questions and get your settlement advance started.

Costs and Charges - Borrow up to 80% LVR on your property equity value1, with settlement advances paid in 24 to 48 hours of application and approval.

Pre Settlement Loans - Vendors may get access to their settlement funds prior to the settlement date, via settlement advances.

Short Term Property Loans - Sold your property? Settlement Advances offers short term property loans until your property sells.

Alternatives to Bridging Loans - Settlement Advances are a good alternative, as a short term bridging loan option.

Buy Before You Sell - It is possible to buy before you sell your current home, but should you? Check out the advantages and disadvantages?

We're Here to Help!