Property Credit Logo

Equity Release

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

Unlock the equity in your property

Bridge the gap between the sale of your home and your future plans with Property Credit.

Whether you're selling to upsize, downsize, retire, or simply pay off debt, Property Credit can help you access the equity in your home. There’s no need to miss out because you're waiting for a longer sale or settlement process.

Require a deposit on your next dream home but haven't sold yet?
Want to buy a caravan or book that holiday now?
Need to downsize before your sale goes through?
Prefer to pay off some of those other debts now, rather than waiting for settlement?

Property Credit is here to help.

How does it work?

In most cases, when selling your home there is the equity between your sale price and the mortgage debt you have with the bank. This is the 'locked up' value you have in your home that you can't ordinarily access until after the bank has been repaid.

Property Credit provides a short-term finance solution to help bridge the gap between what you plan to do after the sale of your existing property, and now. When you sell your existing property, you repay your bridging loan with nothing to pay until that time.

  • Simple monthly fee, not due until settlement
  • Funds within 24 hours
  • Access up to 80% of the property's value
  • From $6,000
  • Progressively access more funds during your property sale process

Applying is fast and easy

Our funding solutions are centred around property transactions, meaning credit checks are a thing of the past.
How much do you need?
Tell us how much you need along with some other details about your requirements.
Personal and property details
Tell us some details about yourself and the property you're selling.
Approval & funds provided
Once approved, funds are provided when you need them.

Equity Release FAQs

What are the minimum and maximum loan terms?

No minimum. The maximum is 6 months.

Who is eligible to apply for equity release credit

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

Can I apply for additional funds afterwards?

Yes, while you are still committed to selling your property. Subject to standard approval processes.

Is Property Credit a real estate agency?

No. We are a finance company offering financial solutions to real estate professionals and their clients.

How long does it take to get funding?

Subject to us receiving all the necessary information, in as little as 24 hours.

Property Credit has you covered

Remove financial limitations and access the equity in your property.
Get started today.

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.

Buyer Deposit Facility

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

Equity Release

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

Property Advertising

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

Pre-sale Improvements

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

Investment Property Expenses

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

GST Funding

Need to fund the GST on your commercial property purchase? We've got you covered.
More details
crossmenuchevron-down linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram