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Pay Now, Pay Later Real Estate.
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Pay Now, Pay Later Real Estate.
Whether you’re selling to up-size, downsize, flip an investment, escape the rat race or need funds for something else. If you need access to equity to get ahead of the game, we can help unlock it.
*Terms and conditions apply.
Unlock equity
in your property’s sale to unlock the funds you need.
Unlock today.
Bid tomorrow.
Bridge the gap between selling and buying. Access between $30,000 and $250,000, so long as it is less than 80% of the available equity in your current property.^
A one-time establishment fee between 3.69% and 6.69% applies, depending on the amount borrowed. No interest applies for the first 60 days, followed by a monthly interest rate of 1.67% (Comparison Rate of 23.68% pa).1
1 Annual
2 Establishment fee rates are subject to our credit assessment criteria
3 Annual rate (when compounded) 21.99%
4 Timelines may vary depending on the completeness of your loan application and eligibility criteria.
BUY WHILE YOU SELL
Access the equity you need with:
- 60 Days Interest Free
- From 3.69% to 6.69%2 - One off establishment fee with no interest for the first 60 days. 1.67% monthly interest thereafter.3(Comparison Rate of 23.68% pa).*
- Loans up to 6 months - Relax with up to 6 months to settle your current property.
- Funding up to $250,000 - Access up to $250,000 or 80% of the equity in your property before settlement.
- Funding Avalability - Get funds within one business day of approval.4
Unlock today, bid tomorrow.
Apply for DepositNow
Once your property is unconditionally sold, you can apply while waiting for settlement. Haven’t sold? We can prepare in advance.
Receive funds
Once approved, funds are transferred to your nominated bank account the next business day.
Repay on settlement
Your solicitor or conveyancer will organise repayment of the loan from your property funds when settlement occurs.
Calculate how much equity you could access.
Disclaimers & Assumptions for Online Calculator While every effort has been made to ensure the accuracy of this calculator, the actual results may vary depending on a variety of factors. This result is an indication only.
1️ Eligibility & Lending Criteria
- The calculator provides an estimate only and does not guarantee credit approval.
- Loan approval is subject to eligibility criteria and terms and conditions.
- The amount available for borrowing is determined by factors including the outstanding loan balance, requested loan amount, and available equity in the property.
2️ Borrowing Limits & Conditions
- Vendors may access between $30,000 and $250,000, provided the total amount does not exceed 80% of the available equity in the property.
- Borrowing limits may vary based on individual assessments and lender discretion
3️ Interest & Fees
- A one-time establishment fee applies, ranging from 3.69% to 6.69%, depending on the borrowing amount.
- No interest applies for the first 60 days. After this period, a monthly interest rate of 1.67% is charged on the outstanding balance.
- The Annual Percentage Rate (APR) may vary depending on the total loan amount and repayment timeline.
4️ Repayment Terms
- Repayment is due on the earlier of property settlement, six months from loan commencement, or early deposit release.
- If the property sale does not proceed to settlement, the full loan amount must be repaid immediately.
5️ General Disclaimer
- The calculator is for informational purposes only and should not be considered financial advice.
- Applicants should seek independent financial advice to determine suitability.
- Terms and conditions apply. For full details, refer to the CampaignAgent Loan Agreement.
Whether you’re selling to up-size, downsize, flip an investment or escape the rat race. If you need access to equity to get ahead of the game, we can unlock it.* See how we’re unlocking the future for Australians all over.
*Terms and conditions apply.
People empowered
We only need a few details to get started.
One of our Customer Approvals team will respond promptly for a free, no-obligation chat about DepositNow.
Things you should know
The information provided by CampaignAgent should be treated as a guide and not an indication of pre-qualification for any loan.
*^DepositNow loans incur a fixed establishment fee from 3.69% of the amount borrowed. An interest charge of 1.67% per 30 days (Annual rate (when compounded) 21.99%) starts on day 61 and is charged daily on the outstanding balance until repayment. Loan repayment is due on the earlier of settlement of your property or 6 months after the date that we fund you.
Please note that any advice on this site is general advice only and does not take into account the objectives, financial situation or needs of any particular person. You should obtain financial advice relevant to your circumstances before making any decisions.
Over 300,000 Happy Customers.
There are a variety of reasons why you may be selling your current property. You might want a bigger house as the family grows, have a need for a home office or want a change of lifestyle. So when it comes to getting what you want, don’t let finance get in the way.
Did you know the average homeowner is asset rich, but cash poor?
Take Kylie and Brad, they’ve just secured a new, bigger family home, thanks to DepositNow. They had recently sold their property, and settlement was still 120 days away. However, they’d just seen the perfect property and wanted to get in and secure it quickly before someone else did.
Knowing that the bank had a long process to provide them with a bridging loan and that they didn’t quite have the deposit they needed. Kylie and Brad took advantage of having early access to the equity in the sale of their current property to bridge their cash-flow gap.
By accessing $72,000 early, they were able to cover their cash-flow gap, secure the new property by putting down a higher deposit and make payment on the amount borrowed at settlement of their old property.
DepositNow is designed to give people like Kylie and Brad early access to the equity that’s been locked up in long settlements, so they can get on with life.
For Kylie and Brad, it was a win-win!
Sea change unlocked.
Did you know homeowners who downsize can use the equity in their homes to buy?
Rhonda and Sam are looking to downsize now that the mortgage is paid off and the kids have well and truly moved out.
Sam’s about to retire so both Rhonda and Sam think it’s time for a lifestyle change. They’ve just seen the perfect beach side apartment and Sam is keen to make the move.
Having recently listed and successfully sold their family home for $930,000 their property is now considered to be unconditional with settlement still a further 60 days away.
They now have the option to access up to $250,000 of the equity of the property. By Accessing DepositNow Rhonda and Sam can ensure they secure the new beach side apartment.
Go, Rhonda and Sam!
Investors unlocked.
DepositNow keeps investors cash flow positive.
Meet Anna & Jackson, a couple from Victoria who have just flipped their third investment property. Their refurbished townhouse was almost ready to sell, but they needed a few finishing touches before listing it on the market.
Anna noticed a newly listed property in their area that fit their criteria – it was their dream home! But with their cash flow and equity currently tied up in their investment property, it wasn’t possible to make an offer.
See how Anna & Jackson unlocked a world of possibility with DepositNow.
By accessing the equity in their townhouse, Anna & Jackson were able to unlock $80,000 using DepositNow, so they could place an offer on their dream home – before their current property had even sold.
This meant that they were able to focus on growing their investment portfolio without compromising their cash flow. Anna & Jackson were able to seize the opportunity, without being limited to the amount of cash they had available.
With DepositNow, you too can buy before you sell.
Agents unlocked.
Take the hassle and the worry out of finding another real estate agent.
Meet Sarah & Tim. After purchasing their first home, Sarah and Tim realised that they needed more space if they were going to grow their family. They really loved the real estate agent who helped them get into their first home – and wanted to stick with him as they upsized.
For Sarah and Tim, it made sense to work with their preferred real estate agent, who they knew they could trust. There was only one thing holding them back from making their next move – financing. Luckily, Sarah and Tim’s real estate agent was partnered with CampaignAgent, and was able to offer the couple access to the equity in the current home, so they could place an offer on their next place.
Now your real estate agent can help you sell your current property, and purchase your next. With DepositNow, Sarah and Tim not only unlocked their equity but also made sure they were working with their preferred agent.
We partner with Australia’s top real estate agents to offer vendors the financial solutions they need to make their next move.
To access DepositNow, ask your agent to contact us today.