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Maximise your sale with Pay Later flexibility

Selling your property?

Pay Later Solutions for Real Estate in Australia & New Zealand.

Calendar IconNothing to pay until settlement
Unlocked padlock iconNo credit checks
Fast Forward IconFast approvals & funding

Pay Later, done differently.

Unlike traditional bridging finance, Property Credit’s short-term, Pay Later bridging solutions allow you to not only move from one property to the next with ease, but overcome a whole host of common cash flow barriers. Using the equity in the property you’re selling, you can fund everything from advertising costs and pre-sale improvements, to a deposit for your next property.

Calendar IconNothing to pay until settlement
Unlocked padlock iconNo credit checks
Fast Forward IconFast approvals & funding

Maximise your property sale potential

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

A Property Credit bridging loan 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
Four people covering furniture with drop sheets as they start painting a room.

Pre-sale improvements

Initial stage: Find agent, prepare for sale

The owner applies for pre-sale improvement funding, establishing a line of credit or 'bridging facility' as part of the application. This line of credit allows for future drawdowns at various stages of the property sale if needed.

  • Cleaning & pest control.
  • Landscaping.
  • Minor renovations.
  • Line of credit established upon application.
Pre-sales funding
A young couple meeting with a real estate agent.

Property advertising and staging

Marketing stage: Property on the market for sale

Once the property is ready for sale, the owner can apply for property advertising funding. Applying for additional funds from your bridging facility is a quick and straightforward process.

  • Property advertising funds.
  • Staging and styling.
Advertising funding
A couple having a walk through a property for sale with a real estate agent.

Other equity release needs

Contract stage: Property has a contract of sale

With a contract of 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 funding

Property settles

Final stage

Your journey with Property Credit comes to an end when the 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 opportunities equity release can offer over the course of a property sale. 

icon of a cabinet with a lamp and plant

Furniture & Home Staging

Cover the costs of furniture and home decor staging for your property for sale.
icon of a calendar and a house

Fast Bridging Loans

Selling your property? Access up to 80% of its value with a Bridging loan.
icon showing a hand holding a house with a dollar symbol inside.

Buyer Deposit Facility

Fund your auction deposit using equity from the property you’re selling.
Icon of a house with a speech bubble that contains a dollar symbol inside.

Equity Release

Selling your property? Access up to 80% of its value.
Icon showing a megaphone with a starburst surronding.

Property Advertising

Fund up-front advertising costs when selling your property.
Icon showing a paint brush and a tin of paint

Pre-sale Improvements

Increase saleability with pre-sale improvements and staging.
Icon showing a house with a tool inside.

Investment Property Expenses

Cover costs related to your investment property and repay with rental income.
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GST Loan

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

Customer Reviews

You don't have to take our word for it; our customers and real estate partners have been raving about our funding solutions. 

Leading agencies partner 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
marketing quote pdf you can print out or email to your clientsPayment request page for real estate clients

A simple (and free) way to add Pay Later to your  payment requests.

  • Make the 'marketing expense' conversation easy by informing clients that they have 3 payment options, including pay-later.
  • Use the 'refer now' button in the portal to request payment.
  • Generate and send invoices for owners - they choose how to pay (Credit Card, Direct Deposit, Pay Later).
  • All marketing funds are deposited directly into your trust account.
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