1300 893 199

Relocation Home Loans

Same Day Approval for a Relocation Home Loan with Funds Paid in 48 Hours* up to the Available Equity in Your Property1

24 Hrs 48 Hrs
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 relocation home loans?

Relocation home loans are a type of short term bridging loan, for homeowners who are in the process of selling their property. They provide access to funds, to allow the vendor to purchase a new property, before their current property has sold.

With Settlement Advances, we can offer relocation home loans with access up to 80% of the property value1 paid direct to the vendor within 24 to 48 hours of completing their loan enquiry. Loan amounts or advances can range from $5,000 up to $5,000,000 fast; when the property is under an unconditional offer.

If your property is under an unconditional offer, and you need access to the funds before the settlement date, then we may be able to help1. Advances are aligned to be smoothly repaid on your property's settlement date.

Get Started

What Can Relocation Home Loans be Used For?

Relocation home 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 relocation home 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 can you move home before your sale completes?

It's a common question for homeowners wishing to relocate or move home. Should you sell or buy first? The option of a relocation home loan, allows you to start and complete your search for a new home, before the sale settlement date of your current home.

If you don't have enough funds in the bank to put down a deposit, bid at auction or purchase a new property outright - as most people don't - then, you are most likely going to sell your current property first.

However, with Settlement Advances, you do not need to wait for the settlement date, to gain access to the sale funds and then start your property search. With Settlement Advances, we could advance the funds you need1 fast, in as little as 24 to 48 hours, when your property has moved to an unconditional offer status.

Check out our pre-settlement loans page to learn more about how it works.

Also see our guide to how to buy before you sell for other loan options.

Do You Qualify for a Relocation Home Loan?

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

Get Started

How it Works - Relocation Home 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.

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 Relocation Home 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
Get Started

Relocation Home Loans Calculator


Standard Rates

VIP Rates*

Example Advance up to 60 Days1

Get Started

Relocation Home 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

When can relocation home loans be used?

Relocation home loans can be used to give the vendor access to the equity funds, locked up in their property, prior to the sale of the property. This gives the vendor an opportunity to find a property they wish to buy and access to the funds to make an offer and put down a deposit, for example.

How quickly can the loan be approved in an emergency?

With Settlement Advances, we can move fast, when there is an emergency and the vendor needs the funds quickly. Once the online enquiry is complete, we will generally need to see some of the following documentation, before we can release the funds.

  • 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

Release of funds can occur within 24 to 48 hours when urgent.

How long will the loan term be?

The loan term will be determined to coincide with the settlement date of your property. When your property is under an unconditional offer, we can schedule the repayment to align with the settlement date. Loan terms generally run from 1 up to 62 days.

How much could I borrow?

The amount you could borrow will be determined by a number of factors. How much you need, up to 80% of your property equity value with a maximum set at $5,000,0001.

How much will the relocation loan cost me?

This will be confirmed in your contract with us, and determined by the amount you need and how long it is needed for. Please see the example loan chart above.

Take a look at our Costs and Chargespage to find out more and utilize our loan calculator.

Which geographic area do you service?

Settlement Advances serves every state in Australia.

Can I access funds to assist with the sale of my property?

Settlement Advances, via its parent company, Realty Assist Australia, has a number of associated loan products which are available to our customers. Such as Vendor Paid Advertising loans, which can assist with home staging, repairs, relocation costs and property advertising costs among other pre-sale expenses.

Are relocation home loans just for people moving interstate or abroad?

No, not at all. Relocation home loans are available to homeowners, seeking to move home and needing access to their property equity funds, prior to the sale. They could be moving only a few miles, or moving interstate.

Which relocation loan is best for you?

Please see our guide to your property funding options. It is advisable to seek financial advice, before making a decision regarding your funding options.

What documentation is required for the relocation loan?

Documentation will be required for some or all of the following:

  • 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

Which Australian states do you service?

We operate across Australia, in every AU state.

Can I get a relocation home loan to bid at auction on a property?

Yes, that is a common use of a relocation home loan1.

Can I get a relocation home loan to put down a deposit on a property?

Yes, that is a common use of a relocation home loan1.

How do settlement advances compare to relocation loans?

A relocation loan is a more general term for a bridging loan, pending sale. While a settlement advance, is available only when the vendor's property goes under unconditional offer, and has a clear settlement date. The repayment of the advance can then be automatically aligned with the repayment date.

Also See:

Alternatives to Bridging Loans - 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.

We're Here to Help!