1300 893 199

Home Equity Loans

Same Day Approval - Home Equity Loans 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 - Home Equity Loans

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 Home Equity Loan 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

Home Equity Loan 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*

Can I Get a Home Equity Loan Fast?

SettlementAdvances.com.au offers a fast home equity loan option, called a settlement advance.

If you need your equity loan during the process of selling your existing home or property, then this may be a good option to consider. Settlement advances can be funded very quickly, from 24 hours to 48 hours in most cases - provided we have the necessary documentation.

Settlement advances can be used for pre-sale preparations and sale advertising expenses as well as providing access to the equity you have built up in your property, prior to the settlement date - when you have an unconditional offer. This helps bridge the gap, allowing you to put down deposits, bid at auction or purchase a property, without being help back, waiting for the settlement date, where the opportunity available to you, may have passed.

They may also be used for other purposes, when you have an unconditional offer in place - it's up to you.

See How it Works above to learn more.

How to Qualify for Fast Home Equity Release?

Settlement advances give you fast access to the equity you have built up, in your home. In order to qualify for a home equity release loan or settlement advance, you need to have enough equity in your property, to cover your loan with us.

To be eligible for a home equity loan with us, you must own and have built up equity in your property, or have recently sold your property, but do not yet have access to the funds which will be dispersed at settlement.

We can only approve settlement advances, up to the value you have in your property1. Your credit history will not effect your ability to qualify - unlike with traditional bridging loans - as we do not need to run a credit check.

Get Started

Frequently Asked Questions

What is a short term equity loan?

Home equity loans are generally set up as a second mortgage loan and they generally run for 5 to 10 years or longer.

A short term equity loan with Settlement Advances, is set up to run for an initial 60 day period - which is enough in most cases. They are generally used when the vendor is in the process of selling their property and need quick access to the funds or equity, before the property finally settles. Settlements can take weeks or longer, but the general principle is that, as soon as the property does sell and settlement completes, the loan is automatically repaid, at that time.

What situations can short term home equity loans be used?

Short term equity loans are used to bridge the gap between selling a property and the release of funds on the settlement date. They are used when the vendor or seller needs quick access to their equity that they have built up in the property, and they just can't wait till settlement.

Some common examples are listed below:

  • Home renovation costs before listing the property for sale
  • Home and garden repairs and maintenence pre-sale
  • Home advertising costs to list the property
  • Deposits on new properties
  • Bidding for properties at auction
  • Purchase a new property

Can I use equity in my home for renovations?

Yes, with Settlement Advances, you can get an advance on the equity you have in your home, for the purpose of preparing it for sale.

This may be a god option to increase your chances of a quicker sale and at a higher valuation. If you have no intention to sell, at this time, then a home equity loan with us is not a good option, as these are short term loans, intended as quick solution, to be repaid in 60 days (which can be extended), when the property sells.

Can settlement advances be approved on the same day of application?

Yes they can. Please sellect 24 hours when you apply, and our staff will call you back ASAP and let you know what is needed to get your application across the line ASAP in an emergency.

Examples of documentation required:

  • 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

Are there any fast equity loan options?

Yes there are. Settlement advances are a fast equity loan option.

They are suited to vendors who are in the process of selling their property or have just sold, but need quick access to the funds from the sale, before the settlement date. Advances can be paid out in 24 to 48 hours, depending on your needs. They are a short term loan option, where the loan will need to be repaid quickly, at settlement. Advances are set up for an initial 60 day period, which can be extended, if the settlement has not concluded yet.

How long does the application take?

It is a fast application, which should take you only a few minutes. We do not ask any unnecessary questions, and only need your contact details, the property selling or sold, the purpose and amount of the advance and how much and how long you need it for.

How much could I borrow or advance with a home equity loan?

Most home equity loans will lend up to around 80% of the equity you have in your home, or if you own the property outright, they may lend up to 80% of the expected sale price of the property. They are generally subject to credit checks, as with other traditional lending options.

With Settlement Advances, we do not need a property appraisal, which could slow down the approval process and we not need to run any credit checks. We can lend up to 100%1the value of your property, or the equity you have in it, minus our fees1 - our maximum advance amount is $5,000,000. Approval can generally be done in 24 to 48 hours, however we are able to approve and fund on the same day, when urgent.

How much will a settlement advance cost me?

This will be dependent on the amount you borrow and how long it is needed for. See the Repayment Costs Chart for some examples.

When do I have to repay my settlement advance?

Settlement advances are a short term home equity loan option. They are used to cover the gap between selling your property and the final settlement date, when the funds are dispersed. Our advances are set up for an initial 60 day loan term, which may be extended, should the settlement date be delayed, or you have not yet completed the sale of your home or property.

What documents or details will I need to provide?

These will depend on your progress from deciding to sell and any unconditional offer on your property. See some common documents we require, as below:

  • 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

How can I speed up my equity release approval and funding?

To help speed up your equity release application, complete the short enquiry form above, which should only take 3 or 4 minutes, 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.

Does my home need to be appraised for a home equity loan?

For traditional home equity loans, yes it does.

However, SettlementAdvances.com.au works a little differently and we do not require any property appraisal, which could slow down the approval and funding process.

  • For pre-sale preparations, we can lend up to $50,000 (in some cases) for repairs and property advertising and listing costs
  • From unconditional offer to settlement, we can lend up to your property value1 or the equity you have in it

Can I get a home equity loan to buy a property before my house sells?

Yes, it is possible. We offer advances on your upcoming settlement, for unconditional offers, up to the value of the equity you have in the property. Advances can be approved and paid to you in 24 hours when urgent, but generally in 48 hours.

Should I sell my home or buy a new home first?

This will depend on a careful look at your financial situation and needs. To help mitigate the complexity in the question, it is possible to both sell and buy, at the same time.

Settlement advances offer a solution, allowing you to purchase a new property, when your current property has an unconditional offer, but may take weeks for that to proceed through to settlement.

During the waiting time, you may find a new property that you would like to put down a deposit on or purchase outright. In these situations, a settlement advance can give you quick access to the cash you need, in order to make the offer and purchase the property.

How do I get a short term loan for property repairs before I sell my home?

Settlement Advances can help with pre sale costs for repairs, renovations or even cover the advertising fees involved when listing your property.

How long is a settlement advance loan for?

Settlement advances are set up for an initial 60 day loan period, which may be extended, when the settlement date has not been reached.

Is a home equity loan the same as a second mortgage?

In some cases, yes it is. If you have a mortgage already on your property and take out a home equity loan, then it is considered a second mortgage. If you own the property outright, but take out a home equity loan, then it is not considered a second mortgage.

What parts of Australia do Settlement Advances cover?

We cover every state in Australia. If your property is in Australia, we are able to provide a settlement advance option.

Customer Stories - Releasing Their Home Equity*


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.


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 RealtyAssist, James was quickly advanced $88,000 from his sales 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.

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