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Pre-Sale Improvements

Increase sale price with pre-sale improvements.
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Improve now, pay later

Property Credit can help you increase the value of your property with the right funding solution. Minor pre-sale improvements can make a big impact with nothing to pay until settlement. No sneaky interest charges. A simple fixed monthly fee.


Make your job easier by introducing your vendors to Property Credit’s funding for pre-sale improvements with nothing to repay until the property is sold. As an Agent you know small improvements can make a big difference in the selling price and saleability of any property. Share Property Credit with your vendor today and we will help them get the cash they need to improve their property while you focus on selling.

  • Increase sales value
  • No credit check
  • Up to $50,000
  • Repay at settlement

Applying is fast and easy

Our funding solutions are centred around a property transaction meaning that credit checks are all but a thing of the past.
Property Details
1. How much do you need?
We provide funding up to $50,000.
Agent or Owner Details
2. Your details
Tell us a few details about yourself and the property you are selling.
Approval and Funds Provided
3. Approval & funds provided
The online application takes just minutes with funds provided when required.

Pre-Sale Improvements FAQs

What is Pre-Sales Improvements funding?

Property Credit provides a 'Buy now, Pay later' solution allowing property owners to cover the up-front costs of improving the presentation of their property for sale - which can be repaid out of the settlement funds.

What can I use Pre-Sales Improvements for?

There are four types of renovation projects:

  1. Basics (and important) include a roof that doesn’t leak, functioning gutters and downspouts, a dry basement, a reliable furnace, solid floors, walls that are in good repair, and retaining walls that work.
  2. Curb appeal items include a well-manicured lawn, low-cost landscaping, fresh paint inside and out, cleaned carpets, and new fixtures.
  3. Value-added amenities include new external cladding, kitchen renovations, new fixtures, floorings and windows.
  4. Trending projects include home office, swimming pools, tennis courts, hot tubs, wine cellars, game rooms, and water features.

Property Credit provides solutions so you can maximise the sale price and saleability of your home.

Can I borrow only part of the Improvement Cost?

Yes, you can borrow all or part of these costs (subject to minimum amounts noted above).

Who can use Property Credit for funding home improvements?

Applicants must be actively selling their property and have signed with an exclusive agent/agency.

What are the minimum and maximum loan terms?

30 day (1 month) minimum. Maximum is 180 days (6 months).

Can the property owner apply for additional funds?

Yes, anytime while they are still committed to selling their property.

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

  • Property Advertising funding is minimum $750 - maximum $30,000
  • Presentation of Property funding is minimum $750 - maximum $50,000
  • Maximum combined Advertising and Presentation of property is $60,000 or 1.5% of the value of the property (whichever is lower)
  • Higher Amounts are available, subject to special application - contact us for further information

What happens if I don’t sell the Vendor’s property within 180 days?

The loan will have to be repaid or a rollover application (fees may apply) can be completed prior to the expiry of 180 days.

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

Whether your a property owner or a real estate pro, Property Credit can remove your financial limitations on your property related transactions.
Get started today.

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