Funds to get your property ready
for sale

Access up to $35,0001 to spend on marketing, home improvements, styling, auction fees and much more. Pay when your property sells.

Learn more

Join the thousands of Australians using ListReady

Pay for expenses without
being out of pocket

Pay for expenses without being out of pocket

A no fuss payment option
for listing expenses

Access up to $35,0001 on demand

Quick online sign up and funds ready to use instantly once approved.

Nothing to pay upfront

Repay when your property settles, or within 6 months, whichever comes first.

Easy online payments

Transfer to your agency, tradesmen, stylists and more, or withdraw to your bank account.

Simple monthly fee, no hidden extras

Borrow what you need, a monthly fee of 2.25% applies to the funds used.

 

Unlock your
property’s
potential with
ListReady

Add value to your property

Invest in renovations and repairs to maximise your property’s potential.

Make a great impression

Make your property stand out with professional cleaning, landscaping, styling and more.

Attract more buyers

Invest in the right marketing package to boost your listing and reach more buyers.

List and sell with no
upfront cost

Cover selling related expenses, including auction, conveyancing, and legal fees.

Cost Calculator

Estimate the cost of your ListReady spending

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Based on your estimated expenses and time to settlement, this would be the total amount of ListReady fees applied to your account.

Your total repayment will include the amount you borrow plus a monthly fee of 2.25% applied to your account balance each month.

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Selling Your Home

Selling your home will probably be the most significant financial decision you’ll take in your life. As it’s not something you do every day, understanding how you can improve a home ready for sale and reduce the cost of selling a house will mean you get more out of the sale.

At ListReady, you can apply for up to $35,000 to assist in preparing to sell your home. These funds can be available for minor renovations and repairs, as well as bigger expenses like legal costs and payment for marketing when selling your property.

Do you get taxed when you sell your home?

If you’ve decided to ‘sell my house’, you may consider whether you need to pay any tax on the sale. Usually, you need to pay tax when you dispose of a significant asset where you’ve made a profit. This tax is called the capital gains tax (CGT).

However, the tax rules in Australia around selling property state that if you sell your primary residence, then the CGT does not apply. This means that you do not have to pay tax, provided you currently reside in the home. Other requirements for a home being your primary residence include the following:

  • You have personal belongings in the home.
  • It is where your mail is delivered.
  • It is the address at which you are registered to vote.
  • The property has services connected (gas, electricity, etc.).
  • You are genuinely living at the residence.

In some rare instances, it is possible to have two primary residences. This is where you are living in one home and waiting to move into a newly built home. The Australian Tax Office can penalise people for being dishonest with their tax obligations, so you should check with your lawyer or tax agent if you’re not sure.

Do you need a lawyer to sell your home?

Selling your home in Australia can be a complicated process, and most people use conveyancers and lawyers to make sure the process is completed efficiently. A conveyancer will assist you with transferring a property from the seller to the buyer. They will make sure all the titles are correct and both parties are aware of what they’re receiving in the sale.

Some private lawyers offer conveyancing as part of their practice. You can also find specialist conveyancers who only complete conveyancing work. It is possible to purchase DIY conveyancing kits if you’d prefer to do it yourself and try to save on the costs of selling a home or other property.

How to reduce listing expenses when selling your home?

Reducing your listing expenses when selling your home is an excellent way to maximise your profits. Here are several ways to make a difference in your listing expenses.

Research the property market

Having a good understanding of the property market means you’ll know what other homes are selling for in your local area. Looking at pictures and visiting homes for sale will give you a good idea of what people are looking for in your suburb. Completing minor upgrades to your property, such as fixing up your garden or adding a fresh coat of paint, can make your home more appealing to buyers.

Choose a good agent

A good professional agent often means one who will work for you and has a reputation for selling homes quickly. As most marketing costs are calculated every month, the longer your home takes to sell, the higher your listing costs are for selling your home.

You can also negotiate your seller’s agent fee, especially if it is currently a seller’s market. During a seller’s market, the sellers have more power as fewer homes are for sale than people wanting to buy a home. If your home sells quickly, the agent has to do less work, and they can move on to their next client faster.

Avoid real estate agents

You can avoid agents altogether and choose the ‘sell house by owner’ option. Also known as a for sale by owner (FSBO), you can list your property for sale with several companies and take care of most of what a real estate agent would do yourself.

Selling your home using FSBO can mean it takes longer to sell your property, but it can save you around 5% to 6% on a real estate agent’s fee. You can work with many companies that act like a trimmed-down real estate agent that will help list your home and handle some advertising. But you’ll often need to pay for this upfront.

Make home repairs before listing

A part of reducing your listing costs is to make sure you can get the highest possible price for selling your home. It can be minor things that will turn off a potential buyer. For example, the crooked front gate may not bother you, but it can indicate a poorly maintained home to buyers. Investing in these minor repairs before you list your home for sale will improve your position when negotiating prices with your buyers.

Get the right price and avoid deal sweeteners

It can be tempting to offer something to sweeten the deal for buyers with home selling. This can include offering a discount if the buyers suggest the kitchen needs to be renovated. Our article ‘do kitchens help sell a house?’ will cover this example in more detail.

Buyers will generally act as if they’re not interested in a home and hope to offer a lower price than it is valued at. If you (and your agent) have done the research and set a fair price, you won’t need to offer buyers anything to help sell the property further.

With ListReady, you can borrow up to $35,000 to help with any listing costs when selling your home. You can use this money for marketing purposes, real estate agency commissions, fees associated with selling property as an FSBO, and home repairs and maintenance. Apply today!


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*Canstar’s Innovation Excellence Award 2022 was for MONEYME’s product Autopay.

**This comparison rate is based on an unsecured variable rate personal loan of $30,000 for a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. $495 establishment fee and $10 monthly fee applies.