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Selling your property? Access the equity.

Remove limitations
Fast and affordable bridging finance for sellers in Australia and New Zealand.
How much can I borrow?

What is bridging finance?

A traditional bridging loan helps you ‘bridge’ the gap from one property transaction to the next. A Property Credit bridging facility allows you to access the equity in the home you’re selling to help you buy a new home or service any number of cash-flow needs. Once approved, you can access your facility as little or as much as you like over the course of the property sale!

Maximise your sale potential

Every stage of the property sale journey presents another opportunity to access equity.

A Property Credit bridging facility can be offered at any stage of the property sale, right up until settlement. Once established, our flexible funding options allow you to access funds once-off or throughout the sale.

Illustration showing the bridging facility limit being raised when various selling stages are reachedIllustration showing the bridging facility limit being raised when various selling stages are reached
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Pre-sale improvements

Initial stage: Finds an agent, prepares for sale

Owner applies for pre-sale improvement funding. As part of the application, a line of credit or 'bridging facility' is established for future draw downs at various stages of the property sale should you need it.

  • Cleaning & pest control
  • Landscaping
  • Minor renovations
  • Line of credit established upon application
Pre-sales details
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Property advertising and staging

Marketing stage: Property on the market for sale

The property is ready for sale and the owner applies for property advertising funding. Applying for additional funds from your bridging facility is easy and fast.

  • Property advertising funds
  • Staging and styling
Advertising details
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Other equity release needs

Closing stage: Property has a contract for sale

With a contract for sale on the property the seller can now access equity release funding while they await settlement.

  • Deposit for next home - fund a deposit or even an auction deposit using the equity in the home you're selling
  • Moving expenses
  • Other cash-flow needs
Equity release details

Property settles

Your journey with Property Credit comes to an end when your property settles and the loan total is paid out of settlement.

Buy and sell property on your terms.

There's so much to consider when buying or selling. Below are just some of the solutions we can offer over the course of a property sale to enable you to access the equity. 

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Buyer Deposit Facility

Fund your auction deposit using equity from the property you’re selling.
More details
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Equity Release

Selling your property? Access up to 80% of its value.
More details
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Property Advertising

Fund up-front advertising costs when selling your property.
More details
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Pre-sale Improvements

Increase saleability with pre-sale improvements and staging.
More details
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Investment Property Expenses

Cover any cost related to your investment property and repay with rental income.
More details
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GST Funding

Need to fund the GST on your commercial property purchase? We've got you covered.
More details

Very easy and fast approval, pleasure to do business with them. :)


A brilliant solution to get us through some financial stress before the sale of our property settles. The process was so easy and quick, we just wish we found you sooner!

Carly Downie

Very helpful, friendly team, the process was so quick and easy!

Kristy Blencoe

Excellent, clear and friendly service with super fast delivery of funds. Much appreciated.


I found Property Credit when selling my property. Very helpful staff made the process easy and the application was easy to complete. I'll use again if need arises.

Barry Winterstein

Always a pleasure to deal with these lovely ladies! Very quick response and a hassle free process! I highly recommend.


Thank you Property Credit. We were very happy in our dealings with Property Credit. Guided through the process quickly and efficiently. All the staff we dealt with were friendly and helpful. Many thanks to Giovanna for informative and professional help.

Pina Omeros

Excellent service, highly recommend. Property Credit were efficient and professional and yes I would use them again, Thanks for the excellent service.

Tara Yaeger

Leading agencies partnering with us

Real estate professionals in Australia and New Zealand trust Property Credit to help their clients get to market fast and hassle free.
Agent benefits
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