Renovate Now, Pay Later - No Financial Checks, Zero Upfront Costs
WINNER – Canberra Small Business of the Year 2025
Flexible Payment Plans to Suit You
We offer a range of payment options designed to match your appetite for risk and desire for certainty. Whether you prefer zero upfront cost with a fixed price, shared profit or full control with guaranteed costs and profit retention, we have a plan that can work for you. And if neither fits perfectly, we’re happy to tailor a bespoke solution to suit your individual needs.
Renovate Now, Pay Later. No Financial Checks & Zero Upfront Costs
If you're experiencing financial hardship, it's easy to feel like you're running out of options. The bills are piling up, and the pressure to sell and do it fast to get out of debt can be crushing and overwhelming.
Whether due to sickness, divorce or a volatile economy, it's sometimes impossible to keep the lawyers and banks off your back. Under these conditions, time is of the essence. You might find yourself forced into a position that is less than ideal, such as bank repossession or a rapid-fire house sale for far less than your home is worth. These outcomes might leave you with almost nothing to move on with. In some cases, debt remains despite the sale, forcing you to make repayments on a house you no longer own. But don't despair! We're here to help.
Right up to the bank repossessing your home, you still have options. YPP can help!!
Renovate Now, Pay Later – Upfront Cost Option
With our Upfront Cost model, YPP covers all renovation costs, so you don’t need to pay
anything upfront. Here’s how it works:
- Agreed costs and scope – We provide a detailed scope of works and renovation budget. You know exactly what your costs will be and can estimate likely profits upon sale.
- Full upfront funding by YPP – We pay all renovation costs, so there’s no financial outlay required from you.
- Loan term and timing – Interest is charged on the loan for 5 months, commencing from the first open home. This ensures you only start paying once the house is market-ready, while also covering the sales campaign, auction, and up to a 90-day settlement if needed.
- You keep the profits – Unlike the Profit Share model, all profit from the sale after costs returns to you.
- Choose your agent – You can select your own real estate agent to sell your home.
Key benefits:
- No upfront payment required from you
- Full visibility on costs and estimated profits
- Loan interest only starts when the property is market-ready
- All profit goes directly to you
- Flexible choice of selling agent
- Timely renovations are incentivised, aligning our interests with yours
This option is ideal for clients who want complete profit retention while still benefiting from YPP’s full funding and renovation management.
Renovate Now, Pay Later – Profit Share Option
With our Profit Share model, you can renovate and sell without spending a cent upfront and
with zero financial risk. Here’s how it works:
- Guaranteed starting value – An independent agent values your home before renovations. This value is guaranteed, so you can’t lose.
- Strategic renovations – We invest in renovations designed to maximise sale price, only spending where it adds real value.
- Sale for top dollar – Your home is sold for the best possible price through a trusted agent nominated by us.
- Profit sharing – After costs are repaid, any profit above the guaranteed start value is split 50/50 between you and us, capped at the amount spent on renovations.
Key benefits:
- No upfront costs, no risk of loss
- You do nothing but enjoy the results
- Renovations are targeted to generate real uplift
- Potential to make money or, at worst, break even
With this plan, we take the risk, you take the reward. It’s the easiest, smartest way to maximise the sale of your home.
Please note: Not all renovations are suitable for this payment method. We reserve the right to determine which projects qualify to ensure the best outcome for both parties.
Renovate now, Pay Later – Compare Your Options
| Feature | Profit Share Option | Upfront Cost Option |
|---|---|---|
| Who funds renovations? | YPP covers all upfront costs | YPP covers all upfront costs |
| Client payment | No payment upfront; zero risk | No payment upfront; interest applies on loan |
| Financial outcome | YPP assumes all risk; client cannot lose | You keep all profit after costs, giving you full control over returns |
| Profit distribution | 50/50 split above guaranteed starting value, capped at renovation spend | 100% of net profit goes to you |
| Guaranteed starting value | Yes – independent agent values the home before renovations | Not required – client sees full cost and likely profit upfront |
| Agent choice | Nominated by YPP to ensure top result | You choose your own agent |
| Loan / interest | N/A | Interest charged on loan for 5 months, starting from the first open home. Covers renovations, campaign, auction, and up to 90-day settlement. Only starts once the home is market-ready. |
| Scope & budget | Strategic renovations focused on max sale price; costs covered by YPP | Full scope and budget agreed upfront, so you know your costs and potential profit in advance |
| Key benefits | No upfront cost, no risk of loss, potential to make money or break even | No upfront cost, full profit retention, choose your agent, complete visibility on costs, interest only starts when the property is market-ready |
Bottom line
- Profit Share: Perfect if you want zero financial risk and a guaranteed starting value. YPP takes the risk; client only benefits.
- Upfront Cost: Ideal if you want full control and profit, with all renovations funded and managed by YPP, and the ability to choose your own agent. You see the costs and potential profits upfront, so there are no surprises.
All the services you need for an
end to end renovation
We handle everything, from conception to completion.
Kitchen Renovations
Bathroom Renovation
Window Glazing & Upgrades
