Bridging finance
Buy Your Next Home Before You Sell
A bridging loan covers the gap between buying and selling, so you don’t miss the right property or rush your sale. We structure it so the numbers still work if the sale takes longer.
Quick estimate
What Will Bridging Look Like for You?
Estimate only. Assumes interest is capitalised during the bridging period and sale costs of about 2.5%. Lender policy varies.
Estimated end debt$1,197,326After selling your current home for $1,600,000 and adding 6 months of capitalised interest.
Confirm With a Strategy Call →Is it right for you?
Bridging Usually Suits You If…
✓You’ve found your next home but haven’t sold your current one
✓You don’t want to rent in between or move twice
✓You have solid equity in your current property
✓You’re upsizing, downsizing or relocating
✓You want time to sell for the right price, not the fastest
How it works
How a Bridging Loan Is Structured
Two properties, one plan. The key is knowing your end debt before you start.
Peak debtBoth loans combinedYour existing loan plus the new purchase while you own both.
End debtWhat remains after saleThe loan that continues once your current home is sold.
IOInterest-only bridgeInterest is often capitalised, so you’re not paying two mortgages.
6–12Months to sellMost lenders give 6 months for established homes, 12 for new builds.
The process
From Offer to Settlement on Both
01
Strategy callYour equity, sale price expectations and timing.02
Peak & end debtWe model both and stress-test a slower sale.03
ApprovalBridging approval before you bid or sign.04
Sale & payoutSale proceeds clear the bridge; your end loan continues.Usually up to 6 months if you’re selling an established home, and up to 12 months if you’re building. Some lenders allow extensions.