What
you need
to know

Home Preparation Loans

If you’ve been sent a request to complete an existing application, please follow the prompts in your email.

If you’d like to take advantage of a home preparation loan, please contact us today.

Market your property

Ensure you have arranged to pay for your property marketing cost using CampainAgent’s Pay Later service.

Complete the Home Preparation Loan Application

Fill in the online form and confirm the amount you’d like to borrow.

Receive your funds

The loan application must be completed and signed by all vendors on title. Once your loan application has been assessed and approved, the funds will be transferred into the nominated account within 3 business days.

Repay at settlement or withdrawal

If you withdraw the property from sale, repayment of the loan is due immediately. If your property has sold, your agency or conveyancer will organise repayment of the loan when settlement occurs*

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Is this right for you?

We understand there’s a lot to weigh up when buying and selling property. We’ve tried to make things a little easier for you below by calling out some key considerations.


Good for:

  • Getting your property ready for sale.
  • Show your property at its absolute best and pay later.
  • For furniture hire, gardening, painting, and minor repairs.
  • Avoiding having to manage cash flow issues when selling.

Not suited for:

  • Doing major renovations to your property.
  • People who want a loan term beyond 6 months.
  • People who don’t plan on selling their property.

 

Improve the appeal of your home.

Quickly access the funds you need.

  • Get funds direct

    Have the funds you need in your bank account within 3 business days.

  • Six months to pay

    Enjoy up to six months to pay. Repayment is made on the earlier of six months, settlement, deposit release, or withdrawal.

  • Enjoy a low 6.9% fee

    Get started with a quick and easy application process.

  • Borrow from $2,000 up to $25,000 or 2% of the estimated sale price^

    Access funding for staging, and cosmetic improvements.

Enquire Now
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What can you fund?

There are a range of funding opportunities available to you. Explore the possibilities and discover what you can fund: Remember, this is just a glimpse of the diverse funding opportunities available.

Good for:

  • Styling (hire furniture, artwork, soft furnishings, declutter)
  • Painting
  • Floors (board repair replacement / new carpet)
  • Repairs (doors, lighting, steps, decking, paving, tiling, window furnishings, pool pump, minor electrical and plumbing)
  • Roofing repairs
  • Kitchen/bathroom cosmetic updates
  • Gardening
  • Cleaning and rubbish removal
  • Conveyancing services that need up front payment

Not Good for:

  • New kitchens
  • New bathrooms
  • Purchase of new furniture
  • Purchase of artwork
  • Pools
  • New carports
  • New roofing
  • Major plumbing - replacement of all piping
  • Major electrical - rewiring a house
  • Demolition and hire of skips for major renovations
  • Purchase of electrical appliances - dishwasher and oven
  • Completion of development properties
  • Major concreting

Your questions answered

We understand there’s a lot to weigh up when buying and selling property. We’ve tried to make things a little easier for you below by calling out some key considerations.

How do I complete the application?

Firstly, complete the property marketing payment using CampaignAgent’s VPAPay service. Once finalised you’ll receive an email containing your Home Preparation Loan invitation. Follow the steps to complete the application which requests your nominated bank account and signatures from each vendor on title. Once the application is approved the funds will be transferred into the nominated account within 3 business days.

What documentation do I need to apply?

You will need your contract of sale, proof of the size of your mortgage and a copy of your passport or drivers license as proof of your identity.

Do all vendors on title need to complete and sign the loan application?

Yes. The loan application must be completed and signed by all vendors on title.

Where are the funds paid to?

Once your Home Preparation Loan application is assessed and approved, the funds will be transferred to the nominated bank account supplied within the application within three business days.

How is the loan secured?

A Home Preparation loan is secured through a caveatable interest in the property being sold. This results in a notice being lodged on the title of the property confirming CampaignAgent’s interest in the property. This notice is withdrawn when the loan is repaid, typically as part of the property settlement process.

How much can I borrow?

^You can borrow a minimum of $2,000 up to a maximum of 2% of the estimated sale price of the property or $25,000 combined per VPAPay and Home Preparation Loan.

Can you give me more information on your fee structure?

Home Preparation Loans incur a flat 6.9% fee, with no penalty interest and no late payment fees.

Where can I get more information?

If you have questions about our Home Preparation Loan that we haven’t answered here, call us on 1300 822 622 or email us at support@campaignagent.com.au.

What Customers Say.

Jeremy

'I have been using CampaignAgent to assist clients fund Marketing and staging for sale and I must say, it's a seamless process. It's a terrific solution that allows vendors to invest more into marketing without immediate financial pressure, which can dramatically increase the potential sale price.'

TrustPilot

Nat

‘Easy way to access my equity. I used CampaignAgent to cover the cost of staging my home before the sale and DepositNow when it sold after only a week on the market to help us move out in a hurry. It was very straightforward and meant I could stop stressing about having enough money to get to settlement day.’

TrustPilot

Rob

‘I didn't have to do much. The real estate agent did the application and just asked me for some basic things like recent receipts, current and pending work/expected costs and it was all too easy for me thankfully.'

TrustPilot

Hatice

'I used Campaign Agent for my marketing and property preparation expenses during the selling of my home through Chidiac Realty. Everything went smoothly. I also used Campaign Agents DepositNow to unlock funds in need. Madison was very professional, helpful and expeditious. Thank you so much Madison for making my life stress-free during times in extreme need. I will definately be using your services in future and will highly recommend Campaign Agent to friends, family and community.'

TrustPilot

Jake

‘I work in the real estate industry and have always found CampaignAgent to be simple and streamlined from a professional point of view. However, I have recently used CampaignAgent for selling my own home and was blown away by how quick and easy it is from a client's perspective.'

TrustPilot

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.

*Home Preparation loans incur a flat 6.9% fee, with no penalty interest and no late payment fees. In the event that the full amount of the funding and fees is not paid in full, CampaignAgent reserves the right to place a caveat on the property. ^You can borrow a minimum of $2,000 up to a maximum of 2% of the estimated sale price of the property or $25,000 combined per VPAPay and Home Preparation Loan. Loan repayment is due on the earlier of settlement, early deposit release, withdrawal, or the Pay Later Date (6 months from loan commencement).

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.