Luxury-watch focused
A proposed lending experience being designed around Rolex and other high-end watches.
Private watch-backed lending · Melbourne
A private way to unlock value held in a fine watch.
Watch Equity is being developed as a proposed specialist Melbourne service for pawn loans secured by Rolex and other fine watches. Read how the intended process may work or speak with Miles for general information.
Pre-launch research includes Victorian requirements. Watch Equity is not accepting watches, applications or transactions through this website. Read the official Consumer Affairs Victoria guidance.
Designed around valuable timepieces01
AssessmentProposed
Current stagePre-launch
WebsiteInformation only
Clear from the start
Review the valuation, dollar charges, timing and repayment terms before deciding.
A direct point of contact
Speak with Miles Murphy for general information or to register your interest.
Watches considered individually
Selected luxury watch brands.
- Rolex
- Patek Philippe
- Audemars Piguet
- Omega
- Cartier
- Tudor
If the proposed service launches, other established brands may also be considered. Future eligibility would depend on the individual watch and its marketability.
A considered process
From timepiece to indicative estimate.
Five clear steps, with the decision always yours.
- 01
Describe the watch in general terms
If the service launches, broad brand, model, condition and completeness details may support an early conversation.
- 02
Understand the indicative stage
An early range would remain preliminary and would not be an offer, approval or professional valuation.
- 03
Complete a physical assessment
Once operational, a watch would need physical inspection and authentication before any final amount could be discussed.
- 04
Review the written terms
Any future customer would need time to consider the amount, dollar charges, term, repayment requirements and rights.
- 05
Choose whether to proceed
Only after launch, required checks and accepted written terms could a pawn transaction be completed.
If the service launches, the final loan period and charges would be fixed at the transaction and recorded on the pawn ticket and written notices supplied to the customer.
A loan, not a sale
Your watch has value. Put it to work.
The intended product would preserve the option of ownership while providing access to funds secured against a timepiece.
If the service launches, every watch would be considered individually and physically inspected. Custody, security and final terms would need to be explained before any watch was accepted.
Explore watch loans in MelbourneIndicative assessment02
What shapes an estimate
- 01 Brand, model and reference
- 02 Authenticity and provenance
- 03 Condition and service history
- 04 Box, papers and accessories
- 05 Current marketability
Online information supports an indicative estimate only. It is not a professional valuation, loan offer or approval.
Designed for a timely decision
Same-day settlement is a future objective—not a promise.
Watch Equity is not currently advancing funds. After operational launch, same-business-day settlement may be considered only for an eligible transaction completed after inspection, authentication, identity checks and accepted written terms.
Future availability would depend on registration, operating hours, banking cut-offs and the final service model. It would never be guaranteed.
Built for discretion
A measured experience for significant timepieces.
One-to-one contact
The proposed experience is intended to focus on the watch, clear information and the questions that matter to each customer.
Terms before decisions
The intended process would document the final amount, dollar charges, period, repayment requirements and key rights before a customer chooses.
Custody explained
Storage, security and any applicable insurance arrangements would need to be confirmed and explained before a future watch was accepted.
General enquiries and expressions of interest
Speak directly with Miles Murphy.
Ask about the proposed service, website information or how to register your interest. This contact channel does not start an application, valuation appointment, loan offer or pawn agreement.
Make a general enquiry
Share only general informationBrand · Model family · Broad condition · Box and papers
Loan period and customer rights
Clear timing. Written terms.
Watch Equity’s proposed launch product uses a 61-day loan period, subject to final legal confirmation. The exact period and maximum dollar charges for any transaction must be agreed and recorded in writing when the watch is pawned.
Read the official Consumer Affairs Victoria guidance and the prescribed customer rights notice.
Proposed Watch Equity loan period
This is the intended launch product term, subject to final legal confirmation. It is not presented as a statutory minimum.
Victorian holding period
Consumer Affairs Victoria states that goods may be redeemed after the seven-day minimum storage period. Written terms must explain how this applies.
Your right to redeem
After the holding period, redemption remains available until the watch is actually sold, even if the loan period has ended.
Claiming residual equity
If the watch is sold for more than the amount owing and permitted sale costs, residual equity may be claimed for 12 months.
Questions, answered
Know the essentials before you decide.
01Which watches may be considered?+
The proposed Watch Equity service is intended to focus on Rolex and other high-end watches. Future eligibility would depend on the brand, model, authenticity, condition, completeness and current market demand.
02Is an online estimate final?+
No. If the service launches, any online estimate would be indicative only. A final amount could only be considered after physical authentication, inspection and the required identity checks.
03Do I have to sell my watch?+
The proposed product is a pawn loan, not an outright purchase. If launched, the watch would be held as pledged security and the written agreement would explain the period, dollar charges and redemption rights.
04What loan period is proposed?+
Watch Equity’s proposed launch term is 61 days, subject to final legal confirmation. The exact period for any transaction must be fixed when the watch is pawned and shown on the pawn ticket. It is not presented as a statutory minimum.
05When can I redeem my watch?+
Consumer Affairs Victoria states that goods may be redeemed after the seven-day minimum storage period. Your written terms must explain how this applies. Redemption remains available before the watch is actually sold, including after the agreed loan period has expired, subject to the amount due and required identification.
06What happens when the loan period ends?+
If the loan is not extended or repaid, the watch may be offered for sale as soon as practicable after the agreed period ends. The pawnbroker must seek the best price reasonably obtainable. You may still redeem the watch before it is actually sold. Any residual equity after the sale remains claimable for 12 months.
07What identification is required?+
Valid evidence of identity would be required before any future pawn transaction. A watch cannot be accepted from a person under 16. Exact requirements would be confirmed before any operational appointment.
08Is same-day funding guaranteed?+
No. Same-day funding is not currently available because Watch Equity is pre-launch. It is a future service objective only and would remain subject to eligibility, inspection, identity checks, accepted terms, operational cut-offs and bank processing times.