Settlement Shortfall Stress-Test

Protect your buyer — and your commission. Your client signs unconditional today; the bank values them 18–36 months later. If it comes in under, the deal can die at settlement. Find the solution to valuation shortfalls before they sign.

Try a scenario:

●Showing an example. Type over the fields with your buyer's numbers — or pick a different scenario above. Clear when you're ready to run a real one.

Contract price

Cash you can bring to settlement

Settlement inBank values -10% vs contractYour LVR — 80%

● Your buyer's cash gap at settlement

$58,000

Your buyer is $58,000 short — enough to put the deal, and your commission, at risk.

Stressed valuation: $765,000
Bank lends against: $765,000
Max loan @ 80%: $612,000
Cash needed: $238,000

Estimate only. Off-the-plan contracts are typically unconditional — a valuation shortfall at settlement is the buyer's to cover, and the deal (and your commission) with it. Past growth is not predictive of the valuation outcome.

● Confidential · members-only information

Which lenders would still settle this — and save the deal?

See the lenders whose policy ceilings still reach this scenario.

This is a member benefit.

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