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VPA Advances

VPA Advances with Funds Paid Fast* - up to $30,0001

Settlement Advances with Funds Paid in 48 Hours* - up to $5,000,0001

* Expect a short delay processing your request

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Get up to $30,000 Now - Repay when Your Property Sale Completes!

Vendor Paid Advertising Costs

Advertising Costs

Get your VPA fees covered upfront by us. Start your campaign right away and pay when your property sells1!

Vendor Paid Advertising Costs

Home Improvements

Extra funds1 can be used to cover repairs, redecorating or other staging concerns to help with a quicker sale or better price.

Vendor Paid Advertising Costs

Removal & Storage

Declutter and remove your furniture & belongings, plus cover the cost of storage, until you move in to your next property1.

Vendor Paid Advertising Costs

Contracts & Agreements

Additional funds1 can be used to cover the cost of legal contracts and agreements that are required for sale.

Vendor Paid Advertising Costs

Other Unexpected Costs

Moving can get expensive and unforeseen costs do crop up. Funds may be used to cover other associated expenses1.

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 is a VPA Advance?

A VPA advance is a convenient and simple loan, where you can get your advertising costs paid in advance of selling your property1.

Advances are set up and scheduled to be automatically repaid after 60 days, or when your property settles. Loan extensions are possible, with the loan term extended in 30 day periods2.

Additional funds1 are also available with us, with the advance maximum available up to $30,000. Additional funds can be used to cover numerous associated costs, such as staging and repairs to the property, which can enhance the appeal of the property; potentially increasing the property sale value or the speed of the sale.

Repayments are straightforward, and taken from the settlement funds on the day of settlement.

How to Qualify for a VPA Advance?

In order to qualify1 for a VPA loan with us, you will need to:

  • 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 planning to sell) your home or property
  • Be able to repay your advance on settlement(when your property sells)

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VPA Advances Calculator


Example Advance up to 60 Days1

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How it Works - VPA Advances

Selling Your Property?

Selling Property
You want to pospone payment on your property listing, agent and advertising costs and maybe get some repairs or other expense covered.

Get in Touch

Get in Touch
You get in touch and let us know how much you need for your VPA campaign fees or other expenses.

Process Application

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

Pay VPA Advance

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

Use Advance Funds

Use Advance Funds
Your VPA advance is paid directly to the real estate campaign agent and any additional funds requested are paid directly to your designated bank account.

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, the term can be extended every 30 days if needed.

Property Settlement Completes

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

Frequently Asked Questions

What is Vendor Paid Advertising Finance?

Vendor paid advertising finance, is available to homeowners planning on, or in the early stages of selling their property. The advance is a convenient advertising advance, paid directly to the agent, for the purpose of advertising the sale of your property. The advance may include an additional funding option, for the purpose of preparing the property for sale, with other associated costs. Advances, are then scheduled to be repaid to coincide with the property sale and repayment is taken directly from the settlement funds.

How much could I borrow?

VPA loans or advances, are available from $1,000 to $30,000. However, if you have already got your property under an unconditional offer, we also offer Pre-Setlement Advances up to a maximum1 of $5,000,000 to be repaid, when the sale completes, or settles.

When would I have to repay my advertising advance?

The loan term is set for an initial 60 days period. Your loan is scheduled to repaid when the property sale completes and the property settles. However, should you require more time2, then the term will be extended in 30-day intervals.

How much will a VPA advance cost me?

There is a simple upfront credit fee of 4% for the advanced amount, on the base 60-day loan term - with the credit fee deferred during the loan term. If you find that you do require more time, then interest on overdue amounts, will be charged at a rate of 1.25% of the Client Outstanding Amount payable on the 61st day and then every 30 days after the Due Date until such time that the Client Outstanding Amount is paid in full.

Example: With $1,000 advanced and the property settlement in 60 days; Your repayable total would simply be $1,040.00 and with a settlement in 90 days, the repayable total would simply be $1,053.00

How does VPA finance work?

The basic idea, is to simplify the selling process for vendors. We can advance the vendor paid advertising funds directly to the advertising campaign agent, so they can get started on your campaign as quickly as possible. We also offer a complimentary, additional funds option, with a maximum VPA advance up to $30,000. This allows you, to get the property ready, and in the best staging possible. Helping to optimise the sale speed and sale price. When your property sells, your advance and any fees are automatically paid from the settlement funds. Simple!

Will the advance be paid directly to my advertising campaign agent?

Yes, it will. We will need your agent's details as part of the application with us. If you choose to get any additional funds advanced, then the funds will be deposited directly into your designated bank account, separately from the VPA Advance.

How do I apply for a VPA loan?

Simply get in touch by phone, or complete the simple form above, to get started.

How can I qualify for a VPA loan?

In order to qualify for a VPA loan with us, you will need to:

  • 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 preparing to sell your home or property
  • Be able to repay your advance on settlement(when your property sells)

What happens if I can't repay my advance after 60 days?

If you find that you do require more time, and your property has not sold in the 60 days loan term; Interest on any overdue amounts, will be charged at a rate of 1.25% of the outstanding amount, payable on the 61st day, and then every 30 days after the due date, until such time that the outstanding amount is paid in full.

Example: With $1,000 advanced and the property settlement in 90; Your repayable total would simply be $1,053.00 and with a settlement in 120 days, the repayable total would simply be $1,066.16

Can I get any additional funds to prepare my property for sale?

Yes, it is possible1 to get additional funds, for the purpose of property repairs, home staging or other associated cost to assist with the sale and the campaign.

What can the additional funds be used for

Additional funds may be used for property repairs, home staging or other associated cost to assist with the sale and the campaign, including moving and storage expenses.

  • Home Improvements - such as painting & decorating, repairs, new kitchen or bathroom, flooring etc...
  • Staging - lawns & gardening, fences, gutters, plants, painting, lighting, cleaning, curtains and window shades, rugs etc...
  • Removal & Storage - declutter the property prior to sale, storage of your belongings, pending your move to your new home.
  • Contracts & Agreements - cover the cost of legal contracts and agreements that are required for sale.
  • Other Unexpected Expenses - building inspection report repairs, pest inspection certificates, or any other associated costs which may crop up, during the sale.

How quickly can my advertising campaign go live?

Your campaign could go live very quickly. The majority of our VPA customers have the funds paid to their campaign agent on the same day of application. It is then up to your agent, how soon they can switch on your advertising campaign.

Can I get help with a deposit, before my property sale completes?

We also offer a settlement advance product, which is available to vendors, whose properties are under unconditional offer1. Advances are available up to a maximum of 80% of the property value, capped at $5,000,000.

Also See:

Bridging Loan Alternative - Settlement advances are a great alternative to bridging loans, to access your property sale funds fast and for a short time.

Settlement Advances - Settlement advances are available from $5,000 to $5,000,000, up to a maximum of 80% of the property value1.

About Us - We offer fast funding solutions for equity rich vendors, planning on selling their homes or other properties, but needing access to the equity value prior to settlement.

When to Get VPA Finance? - VPA finance is a funding option for home sellers to advertise their property.

Buy Before You Sell - Should you buy before you sell your current home? Check out the advantages and disadvantages?

Property Funding Options - What are your options? Check out some funding ideas in this post, to guide you through the available options.

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