1300 893 199

Settlement Advances

Same Day Approval - Settlement Advances with Funds Paid in 48 Hours - up to the Value of Your Property1

24 Hrs 48 Hrs
284 Google Reviews
Kim Kelly
Being able to defer payment was fantastic for us. Our campaign was able to commence immediately and our house was on the market straight away. This is certainly a bonus
July 2022
Alex Speirs
To all concerned, it's been really good working with Realty Assist, they understand that the initial outlay of selling your property can be stressful and in this day and age money can be tight for most families. Realty Assist helps reduce the stress by deferring the on costs until the property sells. Thanks for your understanding Realty Assist.
July 2022
Alison Campbell
How fantastic this allows me to pay my marketing bills later when I sell my house plus I have so many bills right now with selling my house this certainly is a great helping hand Thankyou Realty Assist!
July 2022
Joe Kristof
Great experience from a very professional organisation.
July 2022
Debbie Mealing
Very friendly easy to talk to people, they're very happy to help with any concerns or if you need help with anything. I would highly recommend them.
June 2022
Debra Thomson
What a great easy to work with process. So efficient
June 2022
luke turner
A very simple and convenient process, with everything moving digital it made our experience easy.
June 2022
Dene Hopkins
Great service, very prompt and helpful. Highly recommend this service to anyone selling their home.
June 2022
Dellas Port
Wow! What a fantastic way to assist seller's by deferring market costs until settlement. And so easy to use. Not only do they take the financial stress out of putting your home on the market, but they will even lend you more money to fix up those little things around the house so that you can present your home in the best possible way. And again, repayment is deferred until settlement. Cannot recommend more highly.
June 2022
Darshan Patel
This Guys are best in there field.. really helpful and great with there services. I am not regretting my decision
June 2022
George Petrinovich
Makes sense to cover all marketing expenses at settlement. Less upfront costs to deal with.
May 2022
Alex Knight
So simple and easy to use. No stress involved. Love the service.
May 2022
Hazel fox
Fast, efficient service and a stress free option when selling your property
May 2022
Kay Woodcock
What a fast efficient way to process the payment. Wonderful service.
May 2022
Fiona Newman
Realty Assist Make selling a house so easy by organising all aspects of marketing for us! And it is so helpful that they allow deference of payment until settlement!
May 2022
Fred Morrell
Great service allowing you to free up money at a time when you have more expenses getting ready for the sale and decluttering
May 2022
Philippe Francis Lodoiska
Good assistance to vendors. Nice and easy process. Pay later option. Very reasonable marketing prices. Recommended.
April 2022
Casandra Maria
Pretty straightforward - easy to use and understand.
April 2022
Jackie Nugara
Realty Assist Australia have made selling my home much easier and have taken a great deal of the pressure off during a normally stressful process. Being able to pay for the marketing campaign at settlement is a game changer...
April 2022
Maureen McPhee
Realty Assist was so easy and the option to defer the payment until settlement is a godsend. Thank you
April 2022
Leonie Barbour
Fantastic service, easy to follow and understand, with a pay later option.
April 2022
stuart mcphie
Cool idea,not upfront fees. Works for our situation. Very easy to set up.
April 2022
Rob Stefanovski
A very flexible and affordable solution for preparing your home for sale. I'm an agent and understand how much time effort and money goes into preparing your home for sale... simple and affordable. Highly recommend it!!
April 2022
Margarita Houston
Quick, easy and flexible process to suit any situation. Very good service
March 2022
han Ah-Hoa
The process was easy and fast. Thank you for allowing me to put my home on the market with an option to pay after.
9th March 2022
Steve Steve
Good service and the result I wanted which helped me out. Deferring the cost of marketing until later when I had more cash. Yes there’s always a downside to the interest charged, although it wasn’t huge.
7th March 2022
Michelle Mahony
Funds cleared super fast, easy process and really helped us out. A perfect example of a service that is a win-win for everyone!
February 2022
Trish Kelly
So, so easy! Realty Assist Australia helped me get my property on the market super fast in the safest way! No hassles, no worry 😊 Thank you!
February 2022
Erin Thomas
The process was so easy and straightforward and has taken so much stress out of what is already a very stressful process!
February 2022
David Phelps
Absolutely outstanding service. Extremely professional and genuinely talented.
February 2022
Brenton Greatrex
Absolutely fantastic service and flexible options. I can advertise and sell my house without having to put any money down. $50 is a small price to pay to defer for 60 days. Thank you
February 2022
Ajdin Fetibegovic
Sam and his team go above and beyond to assist wherever they can. Fast and very efficient service. Recommend these guys over and over
February 2022

How it Works - Settlement Advances

Selling or Sold Property

Selling Property
You are selling or have sold your property but you need access to some or all of the settlement funds - fast - before it settles.

Get in Touch

Get in Touch
You get in touch and let us know how much and how fast you need access to your settlement funds.

Process Application

Process Application
We review your details, process your application ASAP and keep in touch with you at every step.

Pay Settlement Advance

Pay Settlement Advance
We quickly pay your settlement advance into your chosen account, as soon as your application has been processed and you have agreed terms.

Use Advance Funds

Use Advance Funds
You use your advance to bid at auctions, put down a deposit, buy your new home, make repairs or for any other approved settlement advance purpose.

Extend Advance if Needed

Extend Advance
Your advance is set up to run for 60 days. However if you need more time before your property settles, we can automatically extend your advance terms.

Property Settlement Completes

Settlement Completes
Your property settles and Settlement Advances is automatically repaid out of the settlement funds.
Your application will take only a few minutes to complete, so you can get your Settlement Advance as quickly as possible.

Compare Settlement Advances to Bridging Loans

Settlemet Advances Logo Typical
Bridging Loans
No Credit Check tick cross
Borrow up to the Value of Property1 tick cross
Same Day Approval tick cross
Typical Funding Time 24 - 48 Hours 2 - 3 Weeks
No Application or Admin Fee tick cross
One-off Credit Fee2 tick cross
Get Started

Settlement Advance Calculator - Examples up to 60 Days

Example Borrow Repay
Preparing for Sale Costs $10,000 $10,600
Property Advertising Costs $15,000 $15,900
Pre-Sale Property Repairs $25,000 $26,500
Deposit for New Property $80,000 $84,800
Bid at Auction for Property $150,000 $159,000
Purchase Property $500,000+ VIP Rates*

What are Settlement Advances?

Home settlement advances or pre-settlement advances allow a property seller to get access to funds, from a property sale before the property finally settles. They are similar to bridging loans, except they can usually provide the funds to the seller much faster and with fewer checks than via traditional lenders or banks.

Settlement advances with Realty Assist can be paid out on the same day in some cases, but usually within 24 hours to 48 hours of contacting us.

A settlement advance can be used for many purposes from putting down a deposit on a new property, providing funds for a property at auction or even advancing the complete purchase price for a new property - fast!

See How it Works above to learn more.

How to Qualify for a Settlement Advance

To qualify for a settlement advance, your property should be available for sale, in the process of being sold or has already sold, but you do not currently have access to the funds.

With settlement advances, there is no credit check, as the advance is secured against the upcoming sale of your property.

You should have some equity in the property, up to the amount of the advance you wish to borrow, minus any fees.

Get Started

Everyday Settlement Advance Customer Stories*


James was advanced $88,000 on his home settlement to bid at auction

James sold his property on a Tuesday and wished to attend an auction on the upcoming Saturday to purchase his new property. Unfortunately, the banks advised a wait time of approximately 14 days to get a bridging loan in place. This would mean James would miss out on the auction and perhaps buying his next home.

Luckily, with Settlement Advances, James was quickly advanced $88,000 on his pre-settlement on the same day he applied and was able to bid at the auction. He was successful in winning the auction!

James got the home he wanted and got the funds in his account within 15 minutes of his application for a small fee of just $3,695.


Helen was advanced $260,000 on her home settlement to purchase a retirement home

Helen was looking to purchase in an over 55's. Retired and equity rich but cash poor, she was unable to service a loan for the deposit to make the purchase into the new property.

RealtyAssist was able to help with the entire purchase price of $260,000 in under 48 hours and Helen settled on her new place before she settled on her sale. The sold home settled two weeks after she was already happy in her new home.

Frequently Asked Questions

What is a Settlement Advance?

A settlement advance allows a home seller to access their home's equity from a sale early without waiting for the funds to be released from the bank. A settlement advance can be a faster alternative to a traditional bridging loan when the funds are needed are needed in a hurry or urgently.

See How it Works above to learn more.

Why not just wait for the settlement date to get the funds you need?

If you don't have an urgent need then that may be the best option for you to take.

However, if there is an opportunity that can't wait and will be missed by waiting, then a pre-settlement advance could help you secure the funds you need in time.

An example would be when you need to put down a deposit on your next home purchase, or bidding at auction for a property, which occurs before the settlement date. If you don't have the funds to complete the deal, you could miss out on securing your new home.

Can my settlement advance be processed on the same day I apply?

Yes it could. Realty Assist specialise in providing fast settlement advances as a quicker alternative to bridging loans. Simply get started by completing the form above and select 24 hours. If you apply early enough in the day, your advance could be funded on the same day you apply. Otherwise it will be processed within 24 hours, during regular office hours. After you have made your enquiry, we'll give you a call back to answer any questions you may have, and let you know if their are any documents we need to see in order to get your settlement advance processed to meet your needs or deadline.

How long does the application take?

The online application is very quick and easy to complete. It should only take you 2 or 3 minutes to complete. All we need are your contact details, some details about the property you are selling and a few details about the settlement advance you wish to get. Once we have those details, we can give you a call back to answer your questions and let you know what documents we need from you to complete your advance.

How much can I borrow or advance?

The minimum advance with us $5,000, while the maximum goes up to the value of your property, minus any fees - such as $1,000,000. If you are borrowing more than $500,000 with us, we can offer you lower VIP rates* for larger loan sizes, going up to a maximum of $5,000,000.

How much will a settlement advance cost me?

This will depend on how much money that you choose to advance with us and on how long you need the advance for, before it is repaid to us. At Realty Assist, we are very transparent with our costs and charges, and any costs will be clearly available in your contract when you agree and sign. See the Repayment Costs Chart above for some common examples of uses and costs.

How are settlement advances different from bridging loans?

Settlement advances are often a much quicker option from bridging loans. Bridging loans can often take 2 or 3 weeks before they can be reviewed and approved. In some situations, such as bidding at an auction or putting down a deposit on a property, the funds are needed urgently and settlement advances provide a huge advantage here, as they can be approved and paid out in 24 to 48 hours in most cases. Also see the Compare Settlement Advances to Bridging Loans chart above.

When do I have to repay my settlement advance?

Your settlement advance is set up to run for an initial 60 days, which works for most people and situations. However the advance terms can be extended when needed.

What documents or details do you need from me?

In most cases we will need to see the following documents and details to support your application with us for a settlement advance:

  • Contract of Sale - (if applicable) for the property you are selling or advancing against
  • Mortgage Statement - PDF document issued by your mortgage provider
  • Solicitor or Conveyancer - (if already arranged) their name, company and contact details
  • Identity Verification - A clear, colour photo of the front and back of your Drivers Licence

These documents and details can be emailed directly to us at info@SettlementAdvances.com.au quoting your name and property address.

Can I get a same day settlement advance?

Yes, you could. Same day settlement advances are possible with Realty Assist. When making your enquiry, please select that the funds are needed in 24 hours for us to fast track your application. We'll give you a call straight back, let you know what documents we need from you and confirm when we estimate your advance can be processed and funded to your bank account. Most applications with us are processed within 24 to 48 hours and sometimes sooner, when the need is urgent.

How can I speed up my application?

To help speed up your application, complete the short enquiry form above and give us your advance details (make sure to select '24 hours'), contact details and property details straight away. We will give you a call back, so be ready to accept a phone call from us or give us a call directly to 1300 893 199, during office hours.

Will you credit check my application?

No we won't. We do not credit check your application, so there will be no record on your credit file either. However, we will need confirmation of the property sale or ownership.

Can I get a joint settlement advance?

If the property you are selling or have sold is in joint ownership, then yes, you can get a joint settlement advance.

Are settlement advances better than bridging loans?

Yes and no. It really depends on your needs. If you are in a hurry and could miss out on an opportunity while waiting for your bridging loan to be processed by traditional lenders or banks, then settlement advances will be a faster option. Settlement advances may come with higher fees but can be processed and paid directly to your designated bank account in 24 to 48 hours with Realty Assist.

If you are in no rush and are happy to wait a few weeks for a bridging loan application to be processed, then this may be a good option for you.

Also see the Compare Settlement Advances to Bridging Loans chart above.

How long can I take out the settlement advance for?

Your settlement advance loan will be set up to run for 60 days, which gives most people plenty of time for their house settlement to complete and repay the advance to us. In some cases, this is not possible and so the advance terms can be extended for an additional 30 days or more.

How can I bid at auction, before my property settles?

Settlement advances can help by advancing your property settlement funds to you, before the property finally settles. This will allow you to successfully bid at auction on your next property.

How can I get a deposit for a new home, before my current property settles?

If you are in urgent need of a large sum of money to put down as a deposit on your new home, before your current property is due to settle, a Settlement Advance could help. Realty Assist specialise in providing fast settlement advances in these kinds of situations.

How can get a loan for home repairs, before I list my home for sale?

Realty Assist can also help with advances on your upcoming home sale with their Vendor Paid Advestising product. We can advance up to $30,000 for the purpose of home improvements and repairs to help fix up your property, so it gets seen in the best light. Improving your chances of a fast sale at the right price.

Can I get a loan to help with advertising costs to help sell my home?

Yes you could make use of Realty Assist's Vendor Paid Advertising product. Simply complete the short application at the top of this page to get started. We could advance you up to $30,000 to assist with your property sale and marketing costs.

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