For Sale By Owner Homes in Australia – Sell Without Agents & Save on Fees
Pay Later —
Pay at Settlement
List your property now and pay for the advertising later — when your home settles. There’s nothing to pay today.
In plain English
What is “Pay at Settlement”?
When you choose Pay at Settlement at checkout, a licensed Australian finance company called Property.Credit covers the cost of your advertising for you. They pay SaleByHomeOwner directly, which means you don’t need to pay anything upfront.
You then repay Property.Credit later — in a single payment — when your property settles. It’s a simple way to get your home to market now and sort out the cost once your sale is done.
How it works
Four simple steps
Choose Pay at Settlement at checkout
Select it at the SaleByHomeOwner checkout and fill in a short online application. You’ll be asked to verify your identity using Property.Credit’s secure ID check.
Property.Credit reviews your application
They check you meet their eligibility criteria. There’s no bank-style credit check. Approval and funding usually happen within 24 hours of you applying.
We publish your listing
Once Property.Credit has approved you and paid SaleByHomeOwner for your advertising, we publish your listing. So there’s a short wait between checkout and going live while Property.Credit confirms funding — usually under 24 hours.
You repay at settlement
When your property settles, you repay Property.Credit in one payment from your sale proceeds. If your property hasn’t settled within 6 months of approval, the balance becomes due then instead.
The honest bit
What does it cost?
Pay at Settlement charges no interest. Instead, Property.Credit charges a few straightforward fees, which are added to your balance and paid at settlement — not today. So while there’s nothing out of pocket upfront, you will repay a little more than the upfront price of your advertising.
One-off establishment fee
A single set-up fee charged once when your finance is approved.
Monthly admin fee
Charged each month from approval until your property settles and the balance is repaid. The longer it takes to settle, the more of these add up.
Late fees (only if you can’t repay on time)
If your property hasn’t settled within 6 months of approval and the balance hasn’t been repaid, late fees may apply. These don’t apply if you repay on time.
The short version: the longer your home takes to settle, the more the monthly fees add up — so what you pay extra depends on how long it takes to sell. Property.Credit will show you the exact establishment fee, monthly fee, and a worked example of the total amount you’ll repay before you sign your agreement, so there are no surprises. If you’d like an estimate before you apply, you can ask Property.Credit directly using the link at the bottom of this page.
Who can use this?
Eligibility
To be approved by Property.Credit, you’ll generally need to:
- ✓Be at least 18 years old.
- ✓Be an Australian citizen or permanent resident.
- ✓Be the legal owner of the residential property you’re selling.
- ✓Have your property listed for sale and available to buyers.
- ✓Be able to repay the balance even if your property doesn’t settle within 6 months of approval.
- ✓Be able to complete the application online and verify your ID.
Final eligibility, your borrowing limit and approval are all at Property.Credit’s discretion. They’ll confirm everything during your application.
At a glance
The key things to know
Common questions
Good to know
When exactly do I pay?
You repay Property.Credit in a single payment when your property settles, taken from your sale proceeds — or within 6 months of approval, whichever comes first.
Is there any interest?
No interest is charged. Instead, Property.Credit charges a one-off establishment fee and a monthly admin fee, which are added to your balance and paid at settlement. The longer it takes for your property to settle, the more the monthly fees add up — so you’ll repay a little more than the upfront price of your advertising.
Will it affect my credit, or is there a credit check?
There’s no traditional bank-style credit check. However, as a licensed Australian credit provider, Property.Credit is required to make a basic suitability assessment to confirm you can comfortably repay the balance. They also verify your identity using their secure biometric ID check.
What if my property doesn’t sell within 6 months?
The balance becomes due at the end of the 6-month term. You can repay it then, or speak with Property.Credit before that point about extending it (additional fees may apply). If the balance isn’t repaid on time, late fees can apply, so it’s best to contact them early if you think your sale will take longer than expected.
How long will my listing take to go live if I choose Pay at Settlement?
Once you complete the Property.Credit application at checkout, we have to wait for them to approve you and pay SaleByHomeOwner for your advertising before we can publish your listing. This usually happens within 24 hours. If you’d prefer your listing to go live straight away, you can choose to pay by card or direct deposit at checkout instead.
Who is Property.Credit?
Property.Credit (Property Credit Pty Ltd, ABN 93 638 329 674) is a licensed Australian finance provider, regulated under Australian Credit Licence No. 528878. They specialise in pay-later finance for people selling property. SaleByHomeOwner simply offers Pay at Settlement as a payment option at checkout — your finance agreement is between you and Property.Credit.
Do I have to use it? Can I just pay upfront?
Pay at Settlement is completely optional. You’re always welcome to pay by card or direct deposit at checkout instead if you prefer.
Before you apply
This page is a general, plain-English summary to help you understand the Pay at Settlement option. It is not financial advice and does not set out the full terms. Pay at Settlement is provided by Property.Credit (Property Credit Pty Ltd, Australian Credit Licence No. 528878), not by SaleByHomeOwner. All fees, the final amount you’ll repay, eligibility, and the full terms and conditions are set out in your loan agreement with Property.Credit and are shown to you before you sign. Approval is subject to Property.Credit’s lending criteria and is at their discretion. Property.Credit’s products are only available to Australian residents.
If you’re unsure about anything — how it works, what it will cost, whether you’re eligible, or whether it’s right for you — please contact Property.Credit directly to ask any questions before you apply. You can reach them anytime through their website: property.credit.
Contact Property.Credit