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Pre-sale Improvements

Increase saleability with pre-sale improvements and staging.

Improve now, pay later

About to put your property on the market? First impressions are everything! Maximise the value of your property with pre-sale improvements including:

  • Repairs and maintenance
  • Styling and staging
  • Curb appeal
  • Basic renovations - add those special touches!

Property Credit works with you and your agent to help achieve the best result possible.

A pay-later solution for agents to offer their clients

Agents know small improvements can make a big difference to the saleability of a property. Introduce your vendors to Property Credit’s pre-sale improvement funding and help streamline your client's selling experience. Agents can even start the application within the portal for the client to complete, making the process even easier.

  • Simple monthly fee, not due until settlement
  • Up to $50,000
  • No credit checks
  • No interest

Applying is fast and easy

Our funding solutions are centred around the property, 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 a few details about yourself and the property you're adding pre-sale improvements to.
Approval & funds provided
Once approved, funds are provided when you need them.

Pre-sale Improvements FAQs

What is pre-sale improvement funding?

Property Credit provides an 'improve now, pay later' solution allowing property owners to cover the up-front costs of improving the presentation of their property for sale. Repayment can be made out of the settlement funds.

What can I use pre-sale improvements for?

Renovation projects can include:

  1. Basics include a roof that doesn’t leak, functioning gutters and downpipes, solid floors, walls that are in good repair, and retaining walls that work.
  2. Kerb appeal items include a well-manicured lawn, low-cost landscaping, fresh paint, and new fixtures.
  3. Value-adding amenities include new external cladding, kitchen renovations, new fixtures, floorings and windows.
  4. Trending projects include home office, swimming pools, tennis courts, spas, 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 signed with an exclusive agent/agency.

What are the minimum and maximum loan terms?

No minimum. The maximum is 6 months.

Can I apply for additional funds afterwards?

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

What happens if my property doesn’t sell 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.

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 you're a property owner or a real estate professional, Property Credit helps remove cash-flow limitations so you can maximise your sale potential.
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 opportunities equity release can offer over the course of a property sale.

Furniture & Home Staging

Cover the costs of furniture and home decor staging for your property for sale.

Bridging Loans

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

Buyer Deposit Facility

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

Equity Release

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

Property Advertising

Fund up-front advertising costs when selling your property.

Pre-sale Improvements

Increase saleability with pre-sale improvements and staging.

Investment Property Expenses

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

GST Loan

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