Bridging a Multi-Generational Upsize

Some scenarios don’t fit into the standard home loan check box - and that’s where bridging finance can shine. In a recent scenario, a broker approached us with a deal involving a multi-generational move. The clients - a son, his wife, and his mother - were purchasing a new, larger home together to accommodate shared living. But the ownership and loan structure didn’t follow a standard template:

The mother’s existing property, held solely in her name, was used as security
The new property was purchased in three names: the son, his wife, and his mother
The loan was also structured across all three parties

As experts in bridging finance, we understand that real-life scenarios don’t always follow a standard template. In this case, we structured the loan as a solution that didn’t require ownership restructuring or delays to the process.

Let’s take a closer look at the loan structure:

Loan amount: $1,167,600
LVR: 54.15%
Loan term: 12 months
Security: Mother’s existing home
Purpose: Bridging to purchase a larger, shared family home

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Why it matters for brokers:

When a scenario falls outside the typical home loan structure - like shared ownership or different names on title - bridging finance can offer the flexibility your clients need. As experts in this space, we’ll work with you to find the right approach.

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