There’s a shift happening in how Buy Now Pay Later (BNPL) services are regulated in Australia, and if you’re using one as part of your real estate process, it might be time to take a closer look.

Starting 10 June 2025, new national regulations will come into effect, introducing stronger consumer protections for anyone using low-cost credit products, including BNPL. These changes are being led by the Australian government and supported by AFCA (the Australian Financial Complaints Authority), ensuring providers play by a consistent set of rules, and that customers have access to independent dispute resolution when they need it.

That’s a win for everyone.

But here’s the thing: not all providers are ready. And if you’re an agent or agency relying on one of these platforms to power your marketing campaigns, fund vendor payments, or bridge short-term finance gaps, you’ll want to know how they’re responding.

So, what’s changing?

From June 10, all BNPL and low-cost credit providers will need to:

• Hold an Australian Credit License (ACL)
• Be a registered ACFA member
• Implement robust internal and external dispute resolution processes
• Comply with new credit reporting and hardship response obligations

For consumers, this means greater transparency and protection. For providers, it means stepping up to meet higher standards.

What this means for you as an agent

What this means for you as an agent

If you’re working with a BNPL-style provider who isn’t licensed or ready to meet these requirements, you might be left exposed. Delays in vendor payouts, sudden service disruptions, or compliance issues could impact your campaigns, and your reputation.

Real estate already moves fast. The last thing you want is your payments provider scrambling to catch up.

Why Real Flow is already ahead of the curve

At Real Flow, we’ve operated under an Australian Credit License from day one. We’re proud members of AFCA, and we’ve always supported transparent, responsible finance as a foundation for good business.

That means:

• Your clients are protected
• You’re backed by a compliant and licensed provider
• There are no surprises come June.

We don’t see these changes as a challenge, they’re a welcome step toward levelling the playing field. In fact, they align with what we’ve already been doing for years.

Choose the provider that’s already future-ready

Whether you’re using us for Campaign Flow, Equity Flow, or any of our smart funding solutions, you can move forward confidently knowing that compliance, care, and service are already embedded into our operations. 

Your business shouldn’t have to slow down just because your provider didn’t see the change coming.

If you have any questions about the changes or want to know how Real Flow keeps you protected, we’re always here to chat.

Did you find this topic interesting?

We’d love to hear your thoughts!

The team at Campaign Flow work alongside forward-thinking agents like you to help you get your Vendor the best outcome when selling.

If you have ideas for future topics for us to write about, contact us at info@campaignflow.com.au.

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We have some very exciting news to share. 

Campaign Flow has been announced as a FINALIST in the Proptech Association Australia Awards 2021 in the Ownership, Affordability & Finance category.

We are thrilled to be recognised and we look forward to the big night in a few weeks’ time.

In our latest guest blog post on REB Online, I talk about one of the biggest challenges that holds agents back today, real estate marketing fees.

I cover some of the hurdles that agents face when it comes to real estate marketing, and how Campaign Flow can help agents with our new innovative payment options.

If you have any questions relating to our Pay Now, Pay Later or Pay On Success services, please don’t hesitate to give us a call on 1300 665 136 or send us an email at info@campaignflow.com.au. 

Watch our 30 second video to see how Campaign Flow can help your Real Estate Agency when it comes to vendor paid advertising.

No more uneasy conversations with your clients about who will fund the advertising costs.

Campaign Flow can fund your vendor advertising costs so you aren’t out of pocket and your clients get the best experience possible.

A few of the benefits include:

• Same day approval
• No deposit or up front payment
• Nothing to pay until settlement
• Free service for agencies

To find out more, give us a call on 1300 665 136

In our latest post on REB Online, I go over how we have made real estate marketing finance easy for real estate agents and vendors.

I highlight how a well funded marketing campaign can help you and your vendor achieve better results.

You can read the article here.

Let us know in the comments below what your experience is with real estate marketing finance.

Have you used it before?

How was the experience for you and your vendor?

In our latest guest blog post on REB Online, I talk about finding a smarter way to approach vendor paid advertising.

You can read the REB Online article here.

Let us know in the comments below what your experience is with vendor paid advertising. Have you used it? Have you found there to be barriers?

Vendor paid advertising drives higher selling prices and shorter selling periods

As former agents, we know that investing in quality real estate marketing campaigns generates greater exposure, a speedier sale and higher selling prices.

We believe that Vendors and Agents need to start looking at advertising as an investment rather than a cost. Underselling by $100,000 is a far greater risk than saving $5,000 on a marketing budget. Research also confirms that quality real estate marketing campaigns achieves better results.

Vendor Paid Advertising or ‘marketing investment’ (the term we prefer to use), provides many benefits:

• Maximise property exposure – whether that’s online, in print or via mail-outs.
• Attract more qualified buyers – Agents can negotiate increased bids once they’ve got a buyer who’s competing with someone else for a property.
• Better results – statistics confirm that effective marketing campaigns, result in better outcomes for both Agents and Vendors.

The following article published by CoreLogic “How do you position your Vendor Paid Advertising’,  provides an excellent case study with compelling statistical data supporting the strength of a tailored and effective marketing campaign.

It also gives a great example how real estate agents can approach vendor paid advertising with data and statistics, to help demonstrate to their clients how the benefits of a high quality marketing campaign can help sell their property.

We do understand that sometimes convincing vendors of the strategic value of a marketing investment can be challenging. In these situations, we recommend sharing some of the statistics and research available to help overcome any concerns.

At Campaign Flow, we have opened our doors to help remove the financial barriers when it comes to listing, marketing and selling properties. Real Estate Agencies are now free to offer their Vendors the option to start the selling process immediately, without worrying about who will be funding the advertising costs.

Our friendly team would welcome the opportunity to discuss how we can work with you. Contact us today on ph 1300 665 13

As former agents, we know that investing in quality marketing campaigns generates greater exposure, a speedier sale and higher selling prices.