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Frequently Asked Questions

We’ve rounded up our most frequently asked questions all in one place. Something not covered? Contact us directly and one of our friendly team members will be able to assist you.

What is equity release?  

Home equity is the current market value of your home less the amount owing on your mortgage. Simply put, it’s the portion of your home you actually own. Equity release lets you access the cash ‘tied up’ in your home.

What can I use equity release for?

Property Credit lets you access the equity in your property to fund any number of property-related expenses, including:

Styling and staging

  • Furniture hire
  • Plant hire
  • Interior decorating/styling services

Pre-sale improvements

  • Paint (interior/exterior)
  • Flooring
  • Curtains/blinds
  • Interior/exterior lighting
  • Kitchen tidy (splashback, tapware, cabinetry handles, appliances)
  • Bathroom tidy (tapware, cabinetry handles, replacement tiles)
  • Airconditioning
  • Minor repairs
  • Street appeal (minor landscaping, garden tidy, pressure cleaning)


  • Online listing (
  • Digital marketing campaigns (social media)
  • For sale signboard
  • Print advertising (brochures/flyers)
  • Photographer/videographer

Just to name a few! Click here for even more property-related expenses you can fund with Property Credit.

How long does the application process generally take?

Provided you’ve got your ID/documents on hand, around 5 to 10 minutes (we require 100 points of ID).

How long does it take to get funding?

Subject to us receiving all the necessary information, in as little as a few hours.

Who can assist me with my questions?

Our friendly customer service team can help support you through the application process, or answer any questions or queries you might have. Based in Australia, our staff pride themselves on delivering exceptional customer service to every client. Alternatively, you can email us at or use the chat function on our website.   

Do I have to contact Property Credit through a real estate agent/agency?

Not at all. While you might be referred to us by your agent, you can also apply directly on our website.

What is the minimum and maximum amounts Property Credit will fund?

A number of factors (like the stage you’re at in your property sale, eg. just listed or under contract) will determine how much funding Property Credit can provide. For a quick quote, simply click apply now and you’ll be given a funding summary at the beginning of the application or you can use our handy funding calculator.

What are the minimum and maximum loan terms?

No minimum. The maximum is 6 months for property advertising, pre-sale improvements and general equity release.

What happens if I don’t sell the property within 6 months?

The loan will have to be repaid or a rollover application (fees may apply) can be completed prior to the expiry of this term.

Do you charge interest?

No. With nothing to pay until settlement, you’ll receive a summary of your account upon application or you can view your account statements at any time through your Property Credit portal.

Do you do credit checks?


What are the eligibility requirements for a Property Credit loan?

At a minimum, applicants must be actively selling their property and have a signed exclusive sales agreement with a licensed agency.

What is a caveat?

Generally speaking, to lodge a caveat over a property means you’re giving notice of a security interest against the property. This prevents the property being sold without the consent of the caveat holder.

Traditionally used by non-bank lenders, caveats are a fast and cost-effective form of loan security used to release the equity in a property.

Can I apply for additional funds after my initial application?

Yes! Provided you are still committed to selling your property, you can apply for additional funds.

How does the process work?

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. Applicants receive exclusive access to the Property Credit portal so you can view your loan activity and access statements whenever you wish.

When are my fees due?

Your journey with Property Credit comes to an end when your property settles and the loan total is paid out of settlement. There is nothing to pay until that time, although you can choose to make a payment prior to settlement if you wish.

Visit for more information on our services or you can contact us on 1300 829 536 (au) or 03 668 2144 (nz).

This article is for general information purposes only and is not intended as financial product advice. Consider seeking independent financial advice that relates to your individual circumstances.

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. 

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Bridging Loans

Selling your property? Access up to 80% of its value with a Bridging loan.
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Buyer Deposit Facility

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

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

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

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

Cover any cost 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.

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