A major bank
Standard 6-month bridging, extensions possible. Good for straightforward cases.
Buying your next home before the current one sells? Bridging finance lets you move without the timing nightmare.
The Sydney market moves fast. Sometimes the perfect next home comes up while you're still in the current one. Bridging finance lets you buy without being forced into a fire sale.
The structure adds your new loan to your existing one temporarily, typically for up to 12 months, while you sell the first property. Once it sells, the bridging portion clears. We'll make sure the peak debt is affordable and the exit strategy holds up to scrutiny.
No need to accept a lowball offer just because you've committed to a new purchase.
We model the worst case - how long could you hold both loans? What's the cost if the sale takes 9 months?
Depending on the lender, you can add interest to the loan or service it. We'll help you decide.
Once your first property sells, the bridging loan closes and you're left with a standard mortgage on the new home.
Can you comfortably service both loans if the sale takes longer than expected?
Both properties valued; lender assesses the end debt once the sale's through.
You move in. Old property listed for sale.
Old property sells; bridging portion clears; you're left with a clean home loan.
We don’t quote rates on the website — they move weekly. We’ll give you real numbers at our first meeting.
Standard 6-month bridging, extensions possible. Good for straightforward cases.
Competitive rates and a bit more flexibility on timelines.
For cases where the bank says no - eg. peak LVR above 80%.
We saw the house we wanted on a Saturday. Richard had us with a bridging pre-approval by Wednesday. We bought without selling first, and sold ours eight weeks later without stress.
Once you've settled, refinancing often makes sense.
Learn more →Keep the old home as an investment instead of selling.
Learn more →Bridging between your current home and a new build.
Learn more →Typically 6 months, often extendable to 12. Longer terms usually mean a non-bank lender.
Depends on the lender. Many will capitalise the interest so there are no monthly payments during the bridge.
The peak debt rolls into a standard loan on your new home. Ideally, that's affordable on its own.
Usually up to 80% of combined value, though some lenders stretch higher with strong servicing.
Slightly - there may be a bridging loading. But it's much cheaper than missing a purchase or selling in a panic.
Yes, though it's less common. We'll structure it for you.
A 20-minute call, no fee, no obligation. We’ll come back with three real lender options and a clear next step.
0473 113 128Mon-Fri, 8am-6pm