1300 893 199

Bridging Loan Alternatives

Bridging Loan Alternatives with Funds Paid in 48 Hours* - up to 80% Property Value1

* Expect a short delay processing your request

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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

Are there any Alternatives to Bridging Loans?

Our settlement advances are a great alternative to bridging loans, when you need access to some or all of the property sale funds quickly and only for a short time.

Settlement advances can be approved very quickly and the funds paid directly to you in as short a time as 24 hours when it is urgent. We can also fund on the same day, providing the vendor (that's you) can provide documentation quickly to support their application:

  • Contract of Sale - (if applicable) for the property you are selling or advancing against
  • Mortgage Statement - PDF document issued by your mortgage provider
  • Solicitor or Conveyancer - (if already arranged) their name, company and contact details
  • Identity Verification - A clear, colour photo of the front and back of your Driver's Licence

See How it Works below to learn more.

Learn more about Short term property loans here.

How to Qualify for a Settlement Advance?

In order to qualify for a settlement advance, which is an alternative option to bridging loans, you must have equity in a property or your home, which you are in the process of selling or have recently sold the property but are awaiting settlement.

We use your available equity1 in the property against the advance.

The advance amount can be anything from $5,000 up to the available equity1 you have built up in the property.

You can also use our advance services to cover the costs associated with preparing your property for sale, such as repairs, home advertising costs (VPA), putting down deposits on new properties, bidding at auction or for the outright purchase of a new property - or any other purpose.

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Do You Qualify for a Bridging Loan Alternative?

In order to qualify with Settlement Advances with your bridging loan alternative enquiry;

You must:

  • Be over 18 years of age
  • Be an Australian resident or citizen
  • Own or have a mortgage on your home or property
  • Be selling( or have recently sold) your home or property
  • Be able to solve your cashflow needs with a bridging loan alternative
  • Be able to repay your advance on settlement( when your property sells)

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What Can Bridging Loan Alternatives be Used For?

Bridging loan alternatives can be useful in a number of situations, where you are asset rich( in a property) and have a shortfall in cash and need access to your equity fast.

If you are in the process of selling your property, you know that when your property sells, the equity that you have built up in your property will be available to you, however if you need to make use of that locked up equity before the settlement date, a bridging loan alternative may help.

Some common examples include:

  • Getting an advance prior to the property sale for essential repairs
  • Putting down a deposit on your dream property
  • Bidding at auction for your dream property
  • Completing a property purchase to an agreed date - before your sale completes

How it Works - Bridging Loan Alternatives

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 Bridging Loan Alternative application will take only a few minutes to complete, so you can get your funds as quickly as possible.

Compare Settlement Advances to Bridging Loans

Settlemet Advances Logo Typical
Bridging Loans
Borrow up to Available Equity1 tick cross
Same Day Approval tick cross
Typical Funding Time 24 - 48 Hours 2 - 3 Weeks
No Application or Admin Fee tick cross
One-off Credit Fee2 tick cross
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Bridging Loan Alternatives Calculator


Standard Rates

VIP Rates*

Example Advance up to 60 Days1

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Bridging Loan Alternative Costs Chart - Examples up to 60 Days

Example Borrow Repay
Preparing for Sale Costs $10,000 $10,600
Property Advertising Costs $15,000 $15,900
Pre-Sale Property Repairs $25,000 $26,500
Deposit for New Property $80,000 $84,800
Bid at Auction for Property $150,000 $159,000
Purchase Property $500,000+ VIP Rates*

Everyday Customer Stories*


Helen was advanced $260,000 on her home settlement to purchase a retirement home

Helen was looking to purchase in an over 55's. Retired and equity rich but cash poor, she was unable to service a loan for the deposit to make the purchase into the new property.

RealtyAssist was able to help with the entire purchase price of $260,000 in under 48 hours and Helen settled on her new place before she settled on her sale. The sold home settled two weeks after she was already happy in her new home.


Rodney was advanced $88,000 on his home settlement to bid at auction

Rodney sold his property on a Tuesday and wished to attend an auction on the upcoming Saturday to purchase his new property. Unfortunately, the banks advised a wait time of approximately 14 days to get a bridging loan in place. This would mean Rodney would miss out on the auction and perhaps buying his next home.

Luckily, with RealtyAssist, Rodney was quickly advanced $88,000 from his sales settlement on the same day he applied and was able to bid at the auction. He was successful in winning the auction!

Rodney got the home he wanted and got the funds in his account within 15 minutes of his application for a small fee of just $3,695.

Frequently Asked Questions

What are Settlement Advances?

Settlement advances offer a fast way to release the equity you have in a property, before it is sold or after it has sold, but when the funds are needed before the settlement date.

They are are short term funding solution, when the property has been unconditionally sold, but the funds need to be released prior to the settlement date, such as when the vendor wants to put down a deposit on another property and can not wait till the settlement date. The same is true for property auctions or the purchase of a new property by the vendor.

The settlement advance will run over a short period of time, initially the advance will be set up for a 60 day term - which may be extended (contact us and let us know the details). As soon as the property settles, the advance will be repaid.

See How it Works above to learn more.

We also offer vendor paid advertising advances, which allows the vendor (home seller) pay for things such as property repairs, to make the property more appealing to buyers or home sale advertising costs prior to the home sale.

What is a bridging loan?

A bridging loan offers a short term financing solution, usually to 'bridge' the financial gap when wanting to purchase a new property, before your existing property has sold. The traditional bank funding times for bridging loans, takes 2 or 3 weeks to complete and a credit check is usally performed on the applicant for the loan. Bridging loans typically run for a few months up to a few years.

Are settlement advances a good alternative to bridging loans?

If funding is needed to be quicker than the 2 to 3 weeks needed for a bridging loan, then a settlement advance is a good option to consider. Settlement advances can be reviewed and approved on the same day and funded between 24 and 48 hours in most cases.

What can settlement advances be used for?

They can be used for any purpose such as putting down a deposit on a property, before you have completed your current home sale. They can also be used to assist bidding at auction, where you just can't wait for the settlement date on the property you are selling. They can also be used to purchase your next property outright, up to the value of the property you are waiting on settlement1 - or any other purpose1.

Can bridging loans be approved on the same of application?

Generally no. Bridging loans typically take two or three weeks to review and approve before they are funded. Settlement advances can be paid on the same day in an emergency, but generally between 24 hours and 48 hours in most cases.Settlement advances are a much faster option than bridging loans.

Are there any faster alternative products to bridging loans?

Yes, Settlement advances can be paid on the same day when urgently needed, but typically take between 24 hours and 48 hours to be funded.

How do settlement advances and bridging loans compare?

Settlement advances have many advantages over bridging loans. You can generally borrow up to 80% of the equity in your property value1, which can be approved on the same day you apply and funded in 24 to 48 hours.

See our Bridging Loans Comparison Chart above.

How long does the application take?

The application will only take a couple of minutes. We need your contact details, your property address and amount of equity you have in it. Then we just need some details on your advance requirements. How much you need and for how long, and some idea how urgent your request is and what the advance will be used for. That's it.

How much can I borrow or advance?

You can generally borrow up to the available equity (80% of the equity value) you have in the selling property1, minus any fees. If you own the property outright, then you can borrow up to 80% the total value of your property1.

The maximum amount we can advance is $5,000,000.

How much will a settlement advance cost me?

That will depend on a number of factors. For a quick review of typical costs, see our Repayment Costs Chart above.

Also check out our Costs and Charges page for further information and our loan calculator.

When do I have to repay my settlement advance?

As part of the terms of your agreement with us, your settlement advance will be repaid at the same time that your property settlement completes.

What documents or details do you need from me?

We will need to review some of the documents below, in order to complete your advance in a timely manner:

  • Contract of Sale - (if applicable) for the property you are selling or advancing against
  • Mortgage Statement - PDF document issued by your mortgage provider
  • Solicitor or Conveyancer - (if already arranged) their name, company and contact details
  • Identity Verification - A clear, colour photo of the front and back of your Driver's Licence

The documents we need to see, will depend on whether you already have an unconditional sale or are preparing for your home sale.

How can I speed up my application?

To help speed up your application, complete the short enquiry form above, which should only take 3 or 4 minutes, give us your advance details (make sure to select '24 hours'), contact details and property details straight away. We will give you a call back, so be ready to accept a phone call from us or give us a call directly to 1300 893 199, during office hours.

Can I get a joint settlement advance?

If the property you are intending to sell, is in joint ownership and in both your names, then yes, you can get a joint settlement advance1.

How long can I take out the settlement advance for?

Most advances can complete in the initial, standard 60 days loan term, as set up in your agreement with us. However, in some cases, the loan term may need to be extended, in which case we will need to discuss this with you.

What is the best way to put down a deposit on a home, before my property settles?

If you don't have ready access to the cash needed for the deposit and are waiting on your property settlement date to access the funds, then you could consider a settlement advance, which could give you access to the cash needed in 24 to 48 hours, in most cases. The advance can then be easily repaid when your property finally settles.

Can I get an advance on the sale funds for home repairs, before I list my home for sale?

Yes you could. We offer advances for home repairs and advertising listing costs, before and to help you, list your property.

Can I get a loan to help with advertising costs to help sell my home?

Yes, you could. We offer a vendor paid advertising (VPA) option, so you can get stress free access to the funds you need to properly market your property for sale. The advance can then later be easily repaid, when the property sells, on the settlement date.

Also See:

Bridging Loans in Australia - Our settlement advances are a great alternative to bridging loans, when you need quick access to your property sale funds.

Settlement Advances - Settlement advances are a type of short term bridging loan or a bridging loan alternative.

Caveat Loans - Caveat loans are a type of property equity loan, secured against the value of the property title by caveat.

Short Term Bridging Loans - Settlement advances offer the release of available equity in your property - fast for a shorter loan term than available via bridging loans.

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