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Feeling the pressure — and need a clear next step?

This page explains what happens next, what information we’ll need, and how the two pathways work — including when an Options Contract may provide immediate cash relief.

If you’re facing financial pressure (mortgage stress, arrears, separation, probate timelines, debt, or a situation where you simply need the property sold sooner rather than later), you don’t need judgement — you need clarity and a plan.

At JtA Real Estate, we approach sensitive sales with structure, transparency, and momentum. We offer two pathways designed to reduce uncertainty, support you through a pressured timeline, and help you move forward with confidence — even if the bank is already knocking on the door.

Everything starts with a confidential conversation, so we can understand your timeframe, constraints, and what outcome you’re aiming for.


Two solutions JtA Real Estate provides

Option 1 — Our 5% Commission Package

When money or time matters, details matter even more. Our process is designed to keep momentum, reduce delays, and increase buyer confidence — while staying aligned to what you actually need most (timeline certainty, stress reduction, a clean settlement, or achieving the strongest result possible in the circumstances).

We offer a 5% commission package (subject to approval for qualifying sellers and properties), with no hidden or complicated add-ons. A key benefit of this pathway is that there are no upfront costs — the services below are included as part of the package — take a look at modelling that shows how this is better for you.

INCLUDED in Our 5% Commission Package

A premium, all-inclusive approach designed to maximise value and deliver a smoother, faster sale.

  • Comprehensive, High-Impact Marketing

    Unlike many agents who require sellers to pay upfront for marketing, we cover the cost and invest three to five times more than most—delivering standout strategy, media, and targeted campaigns that create buyer demand and maximise your sale price.

  • Professional Presentation Enhancements

    Where needed, we arrange strategic improvements to elevate appeal and impact—so buyers fall in love from the first glance.

  • Intelligent Property Searches

    Data-driven research to position your property competitively and identify high-intent buyer opportunities.

  • Expert Conveyancing Support

    We coordinate with trusted professionals to streamline contracts, protect your interests, and keep settlement on track.

  • Mandatory Seller Disclosure Searches

    All legally required searches and documentation handled end-to-end for full compliance and a smooth path to sale.

  • Independent Building & Pest Report

    Up-front transparency that boosts buyer confidence, speeds decisions, and strengthens your negotiating position.

  • Exclusive JtA.LIVE Event Exposure

    As part of the JtA Group, your listing gets seen at major community events on giant LED screens — a unique, high-visibility advantage that reaches engaged local audiences well beyond the online portals.

  • Conjunction, One Point of Contact

    We invite quality agents to bring their qualified buyers—so you’re not limited to one database but many. We coordinate everything through a single desk (enquiry, inspections, offers) and handle clean conjunction splits, creating genuine competition to sell your property for more.


Option 2 — An Options Contract pathway (upfront cash relief + a structured sale plan)

Sometimes the immediate issue isn’t the sale price — it’s time and cashflow right now.

In certain situations, an Options Contract pathway may provide upfront cash to alleviate immediate financial stress, followed by a structured plan to take the property to market the right way — aimed at achieving a mutually beneficial outcome.

With an Options Contract, a homeowner may be able to access immediate cash relief because an option party can provide an upfront option fee (or similar upfront payment) in exchange for securing the right (but not the obligation) to purchase the property on agreed terms within a set timeframe. That upfront payment can sometimes be used to ease urgent short-term pressure — for example, to catch up arrears, cover holding costs, or create breathing space while a structured plan is put in place for the property’s sale.

In some cases, options may also be available for the homeowner to continue living at the property beyond the sale for an agreed period, subject to terms and approvals.

Important: Options contracts are not suitable for everyone and may carry significant legal and financial implications. If this pathway is considered, we strongly encourage you to obtain independent legal and financial advice before signing anything.


How we help when time is tight

Our goal is to reduce uncertainty and keep the process moving, without creating unnecessary pressure.

  • We start by understanding your timeframe, urgency drivers, and the key risks that could cause delays.
  • We assess the property and local buyer demand to set a realistic strategy that suits your situation.
  • We recommend the most appropriate pathway (our 5% commission package where approved, or exploring an Options Contract pathway where suitable).
  • We run a single-desk process for enquiries, inspections, and offers — keeping communication clear and consistent.
  • We coordinate closely with conveyancing professionals and other parties to keep settlement on track.

Who this is for

This approach may suit homeowners facing:

  • Mortgage arrears or default notices
  • Separation or family law timelines
  • Debt pressure or urgent cashflow constraints
  • Probate or estate deadlines
  • A property that has been difficult to sell
  • Any situation where timing matters and you want a clear, structured plan

A note on respect, transparency, and confidentiality

Financial distress can feel isolating. Our role is to provide clear options and a professional, calm process — so you can make decisions with better information and less pressure.

Your enquiry is treated confidentially.


Request a confidential call-back


General information only — not legal, financial, or credit advice. You should obtain independent professional advice before making decisions, including before entering any options contract or sale arrangement. Sale outcomes, timelines, and prices are not guaranteed and depend on market conditions and property-specific factors.