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A Smarter Way to Buy Your Next Home
Understand your options for buying a new home before you sell your current one.
Are you looking to upgrade, downsize, or simply find a new place to call home? We provide expert guidance and a streamlined process to help you explore your options and navigate the journey to your new home with confidence, even before your current one is sold.
What Is a
Bridging Loan?
Buy First and Sell Later.
A bridging loan is a short-term home funding option that allows you to purchase your new home and move in, giving you the time and opportunity to sell your current one later.
How It Works
01
Access What You Need
Draw on enough funds to cover your new purchase price plus associated costs, settle, move in, and then sell your existing property within 12 months. During the bridge period, you'll service interest on both funding arrangements.
02
Calculate Your Funding Amount
Your borrowing power is based on the equity in your current home. Most lenders advance up to 80% of the combined value of both properties, so you maximize your leverage without overextending.
03
Understand the Interest Rates
Bridging loans can carry higher rates than standard home loans because of their short-term, higher-risk nature. Rates vary between lenders, so working with a specialist ensures you compare offers and find the best arrangement.
04
Repayment Structure
We conduct a final quality check, address any issues, and hand over the keys to your new home along with all documents and warranties.
Benefits of a Bridging Loan
A bridging loan is a short-term funding option that allows you to purchase your new home and move in while giving you the time and opportunity to sell your current one later.
01
Extend the Settlement Period
Negotiate the settlement term for new home to be longer.
02
Prepare Your
Sale Early
Engage an agent ASAP to price, stage, and market your current home for a swift sale.
03
Plan Your Exit
Have a backup plan in case market conditions delay your sale—avoid paying two sets of interest at once.
04
Understand Fees & Rates
Bridging loans can carry higher interest and setup fees; budget accordingly to avoid surprises.
Bridge the Gap to Your Next Home
Move in today and sell on your own timetable with our tailored Australian bridging loan guidance.
About Us
We’re a dedicated team of property specialists with over 20 years of combined experience helping Australians bridge the gap between buying and selling.
Tailored Strategies
We analyse your situation, objectives, and cash flow to craft a bridge-loan plan that fits your needs.
Deep Industry Expertise
With strong relationships across Australia’s major banks and non-bank lenders, we secure competitive rates and smooth approvals.
Transparent Process
We provide clear estimates and timelines, ensuring complete transparency without hidden costs.
Professional Team
Our team has years of experience and a proven track record of successful projects.
Why Choose Us
Expert Guidance
With over 20 years of experience, we've seen every scenario and know how to guide you through the process.
Understanding Your Needs
We listen to your goals and help you find a funding arrangement that suits your needs, with a plan to pay it off faster.
Simplifying The Process
We will explain everything in easy terms from initial meeting to placing deposit and getting your keys.
Finding the Right Fit
We compare multiple options to find the best arrangement for your specific needs.
Ongoing Support
Our relationship doesn't end at settlement. We provide ongoing support and regular reviews to keep your loan aligned to your needs.
Why Our Customers Love Us
Got questions? We’ve got answers.
What deposit do I need?
Whether you’re a first-timer, leveraging a family guarantee, or going the SMSF route, your deposit requirement depends on your situation and loan type:
First Home Buyers
Some special occupations and professionals may qualify for waived LMI and lender fees.
With a Family Guarantee, no deposit is required to invest in property.
Minimum Deposit
Standard loans typically require a 5–20% deposit.
First home buyers may need as little as a 0.25% deposit, plus a 5–10 day cooling-off period and typically a 42-day settlement window.
LMI
Usually applies when borrowing over 80% of a property’s value.
Can often be waived for certain professionals or with a guarantor in place.
LVR (Loan-to-Value Ratio)
Standard requirement is 80% or less to avoid LMI.
With a guarantor, lenders may allow you to borrow at a higher LVR.
Stamp Duty & Concessions
Stamp duty still applies and varies by state.
First home buyers may be eligible for concessions or exemptions.
SMSF (Self-Managed Super Fund) Loans
Require at least a 20% deposit.
Borrowing capacity is assessed independently of the trustee’s personal assets and liabilities.
How long must I be in employment?
Most lenders like to see consistent employment history—generally 3–6 months in your current role. However, this can vary depending on your profession, the type of loan, and the lender’s policies.
- If you’re a permanent employee, approval is often easier with stable income.
- Casual or contract workers may need to show a longer track record.
- Some lenders offer flexibility for professionals in high-demand industries.
By choosing us as your guide, you’re not just getting a loan, you’re gaining a trusted partner in your home-buying journey.
Can I extend my bridging loan beyond 12 months?
Bridging loans are designed as short-term solutions while you buy and sell property. Standard terms are up to 12 months. Extensions beyond this are not typical, but options may exist depending on the lender and your circumstances.
The safest approach is to plan your sale and purchase within the 12-month window.
Not sure if you’ll need more time? Speak with us early, and we’ll help you explore your best options.
How long does the application process take?
The timeframe depends on the type of loan, your documentation, and the lender:
Standard home loans: Usually 2–4 weeks from application to approval.
Specialised loans (e.g., SMSF or bridging): May take longer due to extra requirements.
Fast-track approvals: In some cases, we can help speed things up if you have all documents ready.
Our role is to streamline the process by handling the paperwork and lender negotiations for you—making the experience smoother, faster, and less stressful.