A method of effecting sale of real estate. A contract of sale specifying a settlement period is effected between a vendor and a legal entity other than the vendor. Interest in the contract of sale is assigned from the lega! entity to a purchaser. A purchase price, deposit and at least one instalmem amount are determined, An effective date is determined for sale of the real estate, the settlement period extending from the effective date. A plurality of instalments are transferred from the purchaser to the vendor during the settlement period on dates determined at least partly from the effective date. A new market value is determined for the real estate. A capital growth value is calculated at least partly from the new market value and the purohase price. A balance payment is calculated. The purchaser is recorded as proprietor of the real estate in computer memory on a date deterrained at least partly from the effective date and the settlement period. The balance payment is transferred from the purchaser to the vendor on a date deterlnined at least partly from the effective date and the settlement period. COMS ID No : SBMI-05081638 Received by IP Australia : Time (H : m) 13 : 00 Date (Y-M-d) 2006-10-18 FIGURE 1 SERVER/t/-, 130 145 I WORK- / 135 @ WORK- STATION STATION " WORKWORK1 STATION STATION I VENDOR I INTERMEDIARY 1 4 PURCHASER