This content reflects observational insights and lived community experiences. It does not constitute legal advice — always consult a qualified professional for your specific circumstances.
A lump sum is always the safer option because it gives you certainty.
If the property is being sold, a percentage ties your payout to the final sale price. That cuts both ways. If the value rises before completion, you benefit. If it falls, you receive less than the lump sum you were offered. A lump sum gives you certainty. A percentage gives you exposure — to gain or loss. Neither is automatically better. The right answer depends on the market, the likely sale timeline, and your appetite for risk.
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The Gap?
"I agreed to a lump sum — but the property is being sold and I didn't realise a percentage would have moved with the market."
Court Reality
If the property is being sold, a percentage ties your payout to the final sale price. That cuts both ways. If the value rises before completion, you benefit. If it falls, you receive less than the lump sum you were offered. A lump sum gives you certainty. A percentage gives you exposure — to gain or loss. Neither is automatically better. The right answer depends on the market, the likely sale timeline, and your appetite for risk.
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