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Equity Release

Selling your property? Access up to 80% of its value with an equity release bridging loan.

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 ordinarily you can't 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.
Property Details
1. How much do you need?
Let us know how much you need along with some other details about your requirements.
Agent or Owner Details
2. Personal and property details
Give us some details about yourself and the property you're selling.
Approval and Funds Provided
3. Approval & funds provided
Once approved, funds are provided when you need them. Nothing to pay until your existing home is sold.

Equity Release FAQs

What are the minimum and maximum loan terms?

No minimum. The maximum is 6 months.

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

Access as little as $6,000. Depending on a number of factors including the stage of your property sale (eg. just listed or under contract) you can access up to 80% of the value in your property, up to a maximum of $800,000*.

*Higher amounts are available, subject to special application - contact us for further information.

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 licenced 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 bridge the gap in your property transaction.
Unlock your property's financial potential today.

More Solutions

With products to fit your property transaction needs, we got you covered. Our ever growing ecosystem of solutions are designed to help at every stage of the property's life — they remove barriers and smooth out cash flow.

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Increase saleability with pre-sale improvements and staging.
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Cover any cost related to your investment property and repay with rental income.
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Need to fund the GST on your next property purchase? We've got you covered.
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