Position your property to sell for more with pre-sale renovations and staging.
Preparing a property for sale often means renovating, upgrading, or refreshing key areas to maximise buyer appeal. The challenge for many vendors is timing. Renovations are needed before the property goes to market, but the funds are often tied up in the home itself.
Property.Credit solves this with pre-sale renovation finance that allows you to renovate before you sell and pay later at settlement.
Our pay later renovation finance is designed specifically for property vendors. There are no upfront renovation costs, and repayment is made once the property sells and settles. This means you can complete the improvements that matter most, without disrupting your cash flow or delaying your sale.
Whether you are updating kitchens and bathrooms, completing cosmetic upgrades, staging, or addressing pre-sale improvements recommended by your agent, Property.Credit provides flexible on-sale funding aligned to the property transaction.
Unlike traditional renovation loans, this solution is structured around the sale of the property. Funding is advanced for approved pre-sale renovations, and the balance is repaid at settlement, not during the selling process. This makes it easier to present your property at its best, attract stronger buyer interest, and support a better sale outcome.
Pre-sale renovations are one of the most effective ways to improve presentation and perceived value. With Property.Credit, you can renovate with confidence, knowing your renovation finance is aligned to your sale timeline.
If you are planning to sell and want to upgrade without upfront costs, Property.Credit’s pre-sale renovation finance provides a practical, seller-focused solution.
About to put your property on the market? First impressions are everything! Maximise the value of your property with pre-sale renovations including:
Property Credit works with you and your agent to help achieve the best result possible.
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.
Use this handy calculator to estimate your funding costs.
No minimum. The maximum is 6 months.
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.
Renovation projects can include:
Property Credit provides solutions so you can maximise the sale price and saleability of your home.
Yes, you can borrow all or part of these costs (subject to minimum amounts noted above).
Applicants must be actively selling their property.
Yes, while you are still committed to selling your property. Subject to standard approval processes.
Subject to us receiving all the necessary information, in as little as 24 hours.
No. We are a finance company offering financial solutions to real estate professionals and their clients.
The loan will have to be repaid or a rollover application (fees may apply) can be completed prior to the expiry of this term.
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