Bridging Finance service
Secure Your Dream Home Before Selling Your Current One.
Don’t let timing cost you the perfect property. We structure bridging loans that allow you to buy now and sell later, giving you the time to get the price you deserve.
Buy First, Sell Later—Without The Stress
Found the perfect house but haven’t sold yours yet? The fear of carrying two mortgages can be overwhelming. Bridging finance removes the pressure of lining up settlement dates perfectly, so you don’t have to rent in between or accept a low-ball offer just to sell quickly.
Avoid Double Moves
Move straight from your old home into your new one. No temporary rentals, no double packing, and no storage costs.
Sell On Your Terms
Bridging finance typically gives you up to 12 months to sell your existing property, allowing you to wait for the right market price.
No Repayments Required
In many cases, the interest on the bridging loan is "capitalized" (added to the loan), meaning you don't have to make extra repayments while you wait to sell.
Bridge The Gap Between Your Old Life And New Home
Timing the property market is difficult. Bridging finance acts as a safety net, allowing you to secure your new property immediately using the equity in your current home. We handle the complex calculations of “Peak Debt” and “End Debt” to ensure you can borrow with confidence.
Expert Bridging Finance Guidance For Melbourne Homeowners
We navigate the complexities of owning two properties at once, ensuring you have the financial buffer to move comfortably.
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Compare Options from 40+ of Australia’s Leading Lenders
We negotiate with the biggest names in banking to secure competitive rates and tailored terms for your specific needs.
Your Bridging Loan Pathway
Managing two properties doesn't have to be stressful. We calculate your capacity and structure the loan to ensure a smooth, pressure-free transition from your old home to the new one.
What Our Clients Say
Real experiences from clients who found clarity and confidence in their home loan journey.
Buying, refinancing, or investing in property is a major decision — and hearing from others who’ve been through the process can make all the difference. Our clients come to us feeling unsure or overwhelmed, and leave feeling confident, informed, and supported. Their experiences reflect our commitment to clear advice, genuine care, and long-term relationships built on trust.
Happy Customer
Frequently Asked Questions
A bridging loan is a temporary short-term loan that "bridges" the gap between buying a new property and selling your existing one. It allows you to own both properties simultaneously for a set period (usually up to 12 months), using your existing equity as security.
Usually, no. Most lenders allow you to "capitalize" the interest on the bridging loan. This means the interest is added to the loan balance rather than paid monthly. You continue paying your normal mortgage, and the accumulated bridging interest is paid off in a lump sum when your old house sells.
Lenders generally require you to have significant equity in your current home. Typically, the total loan amount (Peak Debt) should not exceed 80% of the combined value of both properties. We can calculate this ratio for you instantly.
Most lenders offer a bridging period of up to 12 months. This gives you plenty of time to renovate, style, and market your old home to get the best possible sale price, rather than selling in a panic.
This is a rare scenario if the property is priced correctly. However, if it happens, the lender may step in to help sell the property, or we may need to look at refinancing options. We discuss realistic sale expectations with you upfront to minimize this risk.
Sometimes the interest rate on the "bridging" portion of the loan is slightly higher than a standard home loan, but the "End Debt" (your ongoing mortgage) is usually at standard rates. Given it is a short-term cost for a massive convenience, most clients find it well worth it.