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Pre-Settlement Loans

Pre-Settlement Loans 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

What are Pre-Settlement Loans?

Pre-settlement loans offer a way for home sellers to get a quick advance on the equity value in their home before their home sells, or even when sold, but before the funds are available to be released from their bank accounts.

Vendor Paid Advertising loans are often used in association with preparing the property for sale, when used early in the selling process. Common uses include, painting and decorating, repairs and renovations, as well as vendor paid advertising to cover the costs of estate agent and listing fees. Pre-sale loans used in this way may help the property get on the market faster, sell faster and even for a better sale price.

When used later in the sale process, they allow the home seller or vendor access to the equity they have built up in the property before sale and before the settlement has cleared their bank account. This will allow them to jump on time sensitive opportunities, such as putting down a deposit on a property or bid at auction without having to wait for their home sale to complete.

Pre-settlement advances may be available up to equity value1 the vendor has in the sale property, and with us, Settlement Advances, can be paid out in 24 to 48 hours.

See How it Works above to learn more.

How Can I Qualify for a Pre-Settlement Loan?

You must have built up some equity in the property that you intent to sell, are selling, or have recently sold. The amount you can qualify for, can be up to the available equity value you have in the property1.

In order to qualify for an advance, or fast bridging loan with us, you must:

  • Own (or just sold) a property to be used as security, and
  • Intend to sell the property now or in the next few months, or
  • Have already had offers or unconditional offers on the property, or
  • Already sold the property, but need access to funds from the sale, before the settlement date

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Do You Qualify for a Pre-Settlement Loan?

In order to qualify with Settlement Advances with your pre-settlement loan 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 pre-settlement loan
  • Be able to repay your advance on settlement( when your property sells)

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What Can Pre-Settlement Loans be Used For?

Pre-settlement loans 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 pre-settlement loan 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 - Pre-Settlement Loans

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.

Make an 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.
Your Pre-Settlement Loan 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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Pre-Settlement Loans Calculator


Standard Rates

VIP Rates*

Example Advance up to 60 Days1

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Pre-Settlement Loan 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*

Frequently Asked Questions

What does settlement mean?

Settlement refers to the completion of the property sale, when the ownership of the property is handed over to the buyer and the funds are finally transferred to the seller's/ vendor's bank account.

What is a pre-settlement loan?

A pre-settlement loan refers to a loan which is for a short period of time, which will be repaid in full, when the property sale completes, or settles.

They are generally used for associated purposes along with a home sale. Sometimes the funds are used to help with the listing of the property (via a Vendor Paid Advertising Loan) and sometimes they are used to secure another property, either via deposit or at auction, although many other purposes are possible.

Also see short term bridging loans.

Is a pre-settlement loan the same as a settlement advance?

Yes, they both refer to the same type of loan, which is an advance on an upcoming home sale.

What are the advantages of getting a pre-settlement loan?

This will depend on the purpose and amount borrowed with the settlement loan.

Pre-Sale Listing Advantages - via a Vendor Paid Advertising loan

  • Additional funds will help you make repairs and get the property ready for sale quicker
  • Funds can used to pay for your home sale advertising costs which could help you sell your property faster
  • A well presented and advertised property may not only sell faster, but may achieve a better price

Pre-settlement Advantages

This would be after the property has been listed for sale and perhaps after you have received an unconditional offer on the property.

  • Allow you to access the equity you have in the property before the sale completes and the money is in your bank account
  • Allow you to secure time-sensitive opportunities, which could be missed when having to wait for the sale to complete
  • Allow you to put down a deposit or bid on a new property, without waiting for your home to sell first

How are pre-settlement loans different from bridging loans?

Pre-settlement loans and bridging loans are used in similar situations, and each has their own advantages, depending on your needs.

Pre-settlement loans are useful when the funds are needed over a relatively short period of time, to be repaid quickly. They are also useful in emergencies where the funding time is critical and waiting for the longer approval process of bridging loans would result in missed opportunities or cause an increase in costs. Settlement loans can be funded in a very short period of time, as the property itself will not need to be appraised and as the advance is secured against the property.

Bridging loans have the possible advantage of lower interest rates, and the loan term will be longer, generally 12 to 24 months; but the loan approval process may take weeks and may involve a property appraisal and a credit check for the borrower.

How quickly will my application take to get funded?

Settlement Advances will always do their best to accommodate emergencies - that is what we do!

It is possible to be approved and funded on the same day, when the need is urgent, such is bidding at auction for a property on the same day; so please let us know your funding needs as part of your application enquiry. Generally though, applications may be approved and funded between 24 and 48 hours when needed fast.

How long is the loan term?

Settlement advances are set up for an initial loan term of 60 days. If you require a longer period or need to extend the loan term, please speak with us to discuss.

Can I get a pre-settlement loan to purchase a new property?

Yes you could, providing the available equity you have in your current property can cover the costs needed to purchase the new property or a deposit on it1. This is one of the most common uses of pre-settlement advances.

What happens if my property takes longer to sell?

If your property does take longer to sell than the initial 60 day loan term, please speak with us to discuss extending the loan term.

Can I use the settlement funds for any purpose?

Pre-settlement loans are useful in releasing the equity you have in your property quickly and usually for short term needs.

When you are considering selling or are in the process of selling your home or property, then settlement loans (or pre-sale listing loans via our Vendor Paid Advertising productare also a good option to consider, as repayment can be aligned with the eventual sale of your property - or 60 day period.

Some common use cases are listed below:

Via our Vendor Paid Advertising product

  • Home repair & renovation costs prior to listing the property for sale
  • Home and garden repairs and maintenence pre-sale
  • Home advertising costs to list the property

Via our Settlement Advance product

  • Deposits on new properties
  • Bidding for properties at auction
  • Purchase a new property

Can I use a settlement loan to pay for home repairs and renovations?

Yes you could. If the renovations are for the purpose of assisting the sale of the property, then our Vendor Paid Advertising product could also be used.

Can pre-settlement loans be approved on the same day of application?

Yes they can. We have provided funds to borrowers on the same day of application, when the funds have been needed in an emergency, such as bidding on a new property at auction. If the funds are urgently needed, we will need some documentation from you, to ensure the process goes smoothly.

Examples of documentation required:

  • 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

How long will the application take to complete?

The Settlement Advances application is fast, and should only take a few minutes.

We do not ask any unnecessary questions, and only need your contact details, the property selling or sold, the purpose and amount of the advance and how much and how long you need it for. This allows us to understand your needs and what is required from you, in order to make sure you have the right product, to answer any questions you may have and to help you complete your advance with us, as quickly as possible.

How much could I borrow with a pre-settlement loan?

The amount you will be able to borrow with us, will depend on the available equity built up and available to you1, in your property.

The largest amount we can advance against is $5,000,000.

How much will the loan cost?

This will be dependent on the amount you borrow and how long it is needed for.

Also see our Costs and Charges page for further details and our loan calculator.

When do I have to repay my pre-settlement loan with settlement advances?

All advances taken out with us, are for when the borrower is in the process of selling their property; the repayment will generally conclude, when the property or home sale completes.

Our advances are set up for an initial period of 60 days, which is enough time in most cases; however if the term needs to be renewed again, please contact us for assistance.

What documents or details will I need to provide you?

These will depend on the status of your property and whether you are preparing to sell, or have an unconditional offer on the property.

See some common documents we require, as below:

  • 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

Does my home need to be appraised for a pre-settlement advance?

Settlement Advances work a little differently than other property loans as we do not require any property appraisal, which would slow down the approval and funding process.

  • For pre-sale preparations, we can generally lend up to $50,000 (in some cases) for repairs and property advertising and listing costs
  • From unconditional offer to settlement, we can lend up to your property value1 or the equity value that you have in the property

Should I sell my property before I buy?

This will depend on a careful look at your financial situation and needs. To help simplify the question, it is possible to both sell and buy, at the same time.

Settlement advances offer a solution, allowing you to purchase a new property, when your current property has an unconditional offer, but may take weeks for that to proceed through to settlement.

During the waiting time, you may find a new property that you would like to put down a deposit on or purchase outright. In these situations, a settlement advance can give you quick access to the cash you need, in order to make the offer and purchase the property.

Also see: Bridging Loans in Australia for more options.

Can I get a pre-settlement loan with poor credit?

Yes, it is possible1 as pre-settlement loans are secured against the equity you have in your home or property.

What parts of Australia does your service cover?

We cover every state in Australia. If your property is in Australia, we are able to provide a settlement advance option, when you have a qualifying property.

Also See:

Short Term Bridging Loans - Settlement advances are a type of short term bridging loan or a bridging loan alternative.

Fast Home Equity Loans - Get fast access to the equity in your property, under unconditional offer, with a settlement advance.

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

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

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