Pre-Sale Improvements Loan
Finance renovations and improvements before selling your property. Increase your sale price and repay the loan from settlement proceeds.
Key Features
Renovation Finance
Fund kitchen, bathroom, and cosmetic upgrades
Repairs & Maintenance
Fix issues that could reduce your sale price
Repay at Settlement
Loan repaid from property sale proceeds
Fast Approval
Quick access to funds to start work immediately
Recently Funded Deals
See what's possible with the right finance solution
*Based on real deals settled by Andorra Private. Details may be generalised for confidentiality.
Unregistered MIS — Industrial Warehouse Portfolio
The Scenario
A property syndicate structured as an unregistered managed investment scheme sought finance to acquire a portfolio of large industrial warehouses in regional Victoria.
The Challenge
The syndicate required non-recourse lending with no directors guarantees — a structure many lenders are unfamiliar with. Loan documentation needed to reflect the MIS trust structure correctly, requiring coordination between the client, their solicitor, and the bank's solicitor.
The Solution
We identified a major bank willing to provide a lease-doc facility on a non-recourse basis. We then worked closely with all parties — the client, their legal counsel, and the bank's solicitors — to ensure the loan contracts correctly reflected the trust structure and that no personal guarantees were required.
The Outcome
The facility was successfully arranged with a major bank. The syndicate acquired the warehouse portfolio with no directors guarantees, and all loan documentation was executed correctly on the first pass.
Non-Recourse
Structure
None
Guarantees
Lease-Doc
Facility Type
Major Bank
Lender
Client Testimonials
Hear from our satisfied clients
“Nick as a broker is part of my dream team for not only residential but especially commercial lending and has been nothing short of brilliant! Always calm under pressure and gets the job done. Very proactive and knowledge far superior to other brokers I've worked with. He's also got another option up his sleeve to ensure you achieve your goals. Absolutely no hesitation in recommending Nick for all things finance. Do yourself a favour and have a preliminary chat with Nick.”
Rachael
Commercial Lending
“Nick is an absolute gun at his job. I've been through many brokers over the years, and he is by far the best I've worked with. His knowledge in the commercial space is second to none, and the way he handles the process is completely seamless.”
P
Commercial Finance
“Nick is super professional and highly competent in his craft. He guided me with credible lending options and advice during my commercial property purchase journey. Highly recommended.”
ADS Rawal
Commercial Property
Ready to discuss your options? Get a response within 24 hours.
Start ApplicationMaximise Your Sale Price
Strategic improvements before selling can significantly increase your property value. From fresh paint and new flooring to kitchen and bathroom updates, the right improvements can deliver returns far exceeding their cost.
Pre-sale improvement loans let you make these upgrades without upfront cash, with repayment coming directly from your sale proceeds.
What Can Be Financed
Our pre-sale improvement loans cover a wide range of work including painting and decorating, landscaping and garden improvements, kitchen and bathroom renovations, flooring replacement, repairs and maintenance, and cleaning and decluttering.
We can also finance larger structural improvements where they make commercial sense for the expected sale price increase.
How It Works
Apply for finance before listing your property. Once approved, funds are available to pay contractors directly or reimburse you for completed work. The loan is repaid when your property sells, with interest calculated only for the time funds are used.
This means you can present your property in its best condition without impacting your current cash flow.
Discuss Your Pre-Sale Improvements Loan Needs
Our team specializes in finding the right lending solution for your unique situation. Get expert advice today.
Frequently Asked Questions
Ready to Get Started?
Start your application today and get a response within 24 hours from our finance specialists.