Families Planning Ahead
I want certainty by locking in today's purchase price.
Agree the purchase price at the start of the Instalment Sale Agreement and plan with certainty.
The Challenge
What This Scenario Looks Like
Property prices in desirable areas can rise faster than families can save a full deposit or qualify for a larger bond.
How an Instalment Sale Agreement May Help
An Instalment Sale Agreement fixes the agreed purchase price up front. The family plans against that price rather than a moving market.
Potential Benefits
- Purchase price locked in at the start
- Predictable monthly instalments
- Time to prepare for the balloon payment
Things to Consider
- Property value could still rise or fall relative to the agreed price
- The family must plan for the balloon payment
A Practical Example
A family agrees today's price on a home in a preferred school area and pays a structured instalment while planning the balloon payment.
Frequently Asked Questions
What happens if property values fall?
The agreed purchase price applies regardless of subsequent market movement. Independent advice is recommended.
Next Step
Discuss Your Property Situation
Contact RentAssist to explore whether an Instalment Sale Agreement may be suitable for your specific circumstances. Each transaction is subject to legal, financial and commercial review.