Bridging finance covers the gap between buying and selling, so you can secure the right property without rushing your sale.
Repayments on your end loan
When you find the right place first, bridging finance lets you buy it now and sell your current home on your timeline. We work out the peak debt, the end debt and the right lender before you commit.
There’s more than one way to bridge the gap. We compare them with you.
A bridging loan funds the new purchase while your current home is on the market, usually for six to twelve months.
Some lenders add interest to the loan during the bridge, so you aren’t making two sets of repayments.
Bridge while your new home is being built, then sell when it’s finished.
Secure your next, smaller home first and release equity when your family home sells.
We map the numbers before you make an offer.
Current home value, debt and the price range of your next home.
We calculate the bridge and what you’ll owe once you sell.
We secure a lender comfortable with your sale timeline.
We coordinate both settlements and close the bridge when you sell.
The numbers have to work even if your sale takes longer than you expect.
Talk to a brokerWe plan around a conservative sale price and timeline.
Not every lender offers bridging, and terms vary widely.
Know you can buy before you make an offer.
One broker coordinating the purchase and the sale.
The home, the car, the investment property, the business. Same team, same lender panel, one conversation.
Home loansBuy, build or refinanceFirst home buyersLow-deposit options
Construction loansBuild or knockdown rebuild
Investment loansGrow your portfolio
Car financeNew, used and novated
SMSF loansProperty in your super
Commercial propertyOffices, retail, industrial
Equipment financeMachinery, vehicles, tools
Business financeCash flow and growthThe total you owe during the bridge: your current loan plus the new purchase and costs. End debt is what remains after your current home sells.
Usually six months if you’re selling an existing home, and up to twelve months if you’re building.
It depends on the lender. Some let interest accrue and add it to the loan, others require repayments.
Lenders may charge a higher rate after the bridging period ends. We plan with a buffer and talk through the risks before you proceed.
A free call with a Propple broker to work out your peak debt, end debt and the lenders that fit.
Calculator results are estimates for illustration only. They use the figures you enter and an example interest rate, and do not include fees, charges or lender credit criteria. They are not a quote, an offer of credit or a pre-approval.
The information on this page is general in nature and does not take into account your objectives, financial situation or needs. Consider whether it is right for you before acting on it. All applications are subject to lender assessment and approval.
Propple Pty Ltd, ABN 39 652 025 646. Credit Representative Number 537767. AFSL 384704. AFCA member 87648.
