Pre-Sale Improvements

Prepare your property.
Pay nothing
until settlement.

Paint, flooring, kitchen updates, landscaping, staging. Fund every pre-sale improvement now with nothing to pay until your property settles.

Equity-based assessment
Fast approvals and funding
Nothing to pay until your property settles
See your available equity How it works
See your available equity
Adjust the figures below to get your indicative funding amount.
$
$
When are you planning to sell?
Indicative funding available
$270,000
Based on up to 60% of available equity. Subject to assessment and approval.
AU 1300 829 536 NZ 03 668 2144

Indicative estimate only. Actual facility subject to assessment. Nothing to pay until settlement.

Australian Credit Licence 528878
Fast approvals
Available across Australia and New Zealand
Nothing to pay until settlement
What you can fund

Every improvement.
Every dollar.

The condition of your property directly and measurably impacts your sale price. Here is where the budget works hardest.

Paint
"Fresh paint. Fresh offers."
A full interior repaint in a fresh neutral tone is consistently the highest-ROI pre-sale improvement. It makes every room feel larger, cleaner, and more modern. Do not skip this.
Flooring
"Buyers notice flooring first."
Replacing worn carpet with hybrid timber flooring is one of the most cost-effective upgrades available. Buyers notice flooring immediately and it dramatically affects their perception of value.
Kitchen
"New handles. New tapware. New impression."
New tapware, handles, a splashback update and a thorough clean can transform the kitchen for a fraction of a full renovation cost. Targeted cosmetic updates consistently outperform full renos in the pre-sale window.
Bathroom
"Buyers open every door. Make it count."
Updated tapware, spotless grout and tiles, fresh towels. Targeted bathroom updates deliver a big impact without the cost or timeline of a full renovation.
Exterior and kerb appeal
"Kerb appeal decides if they walk in at all."
Mow, mulch, edge, pressure-clean and repaint the front fence or door. Kerb appeal determines whether buyers come through the door. First impressions drive final price.
Repairs and maintenance
"Small defects cost big at negotiation."
Fix dripping taps, sticking doors, broken tiles and cracked grout before buyers arrive. Small defects signal neglect and give buyers direct grounds to reduce their offer.
Professional staging
"No time to prep? We'll fund someone who will."
From deep cleaning to full furniture staging. Fund professional decluttering and styling services and pay nothing until you sell. You don't need to do it yourself.
Full preparation
"Your equity is already there. Use it."
Fund your complete pre-sale preparation across every category. Paint, flooring, landscaping, staging. All funded against the equity you already own. All paid at settlement.
Why it matters

First impressions
drive final price.

Buyers form their impression within seconds of arriving at an inspection. That impression drives how much they offer, how urgently they act, and whether they engage at all. Pre-sale improvements are the most direct lever you have on your sale result.

Staged
Professionally staged properties consistently attract stronger offers and shorter days on market, according to industry research
$0
Required upfront. Every improvement funded against your equity, repaid at settlement
Paint
A fresh neutral repaint is widely regarded as one of the highest-return pre-sale improvements available to sellers
Fast
Approvals assessed quickly. Funds available to pay suppliers directly once approved
Simple process

Four steps from
application to funded.

Fast approvals and a simple process. Your assessment starts with your property, not your credit history.

01
Apply online or through your agent
A simple application. Our equity-based assessment starts with your property, not your credit history.
Start my application
02
Receive approval and access funds
Most applications are assessed quickly. Once approved, funds are available to pay your suppliers directly.
03
Use your facility throughout your sale
Access funds as you need them for preparation, staging, marketing, moving, and other selling costs.
04
Repay at settlement
Your facility balance is deducted from your settlement proceeds. Nothing to pay before then. Ever.
See your number

How much can
you access?

Pre-Sale Funding Estimator
Adjust the figures to see your indicative funding amount.
$
$
When are you planning to sell?
Indicative funding available
$270,000
Based on up to 60% of available equity. Subject to assessment and approval. Nothing to pay until settlement.

Indicative estimate only. Actual facility subject to assessment. Nothing to pay until settlement.

Your equity
is already there.
Use it.

You don't need cash to prepare your property well. The equity you've built in your home can fund your entire pre-sale campaign, and you don't pay a cent until your property settles.

Property.Credit advances the cost of your improvements directly to your suppliers. On settlement day, the facility balance is deducted from your proceeds. That's it.

Equity-based assessment. Your property is the starting point, not your credit history.
Fund renovations, staging, advertising, moving costs and more from a single facility.
Fast approvals. Funds available to pay suppliers directly once approved.
No monthly repayments. Everything deducted at settlement.
Available across Australia and New Zealand.
What sellers say

Real results from
real sellers.

Nothing upfront

Your equity is
already there.

Fund every pre-sale improvement against the equity you already own. Paint, flooring, staging, landscaping. Pay nothing until your property settles.

Start my application Visit property.credit