Bridging Loan
The short-term finance that keeps your plans in motion. Move ahead with confidence while we bridge the gap.
So you can move fast
Industry-leading security & protection
Talk to real people
Secure your dream home first
When a Bridging Loan fits your move
When a Bridging Loan fits your move
You want to buy now, sell later
Take the pressure off selling first. Secure your next home without the wait
You need fast, flexible funding
Access approvals in as little as 24 hours, so you can keep things moving
Your equity is tied up in your home
Free up equity from your current home to support your next step
You don’t want to move twice
Move into your home sooner and avoid
short-term rental, storage or moving costs
How it works
Apply instantly
Submit your application, we'll assess within 24 hours
Buy now
Move forward knowing your finance is sorted
Sell later
When your old home sells, you settle the loan
Check if you’re eligible
Income we accept
PAYG, self-employed or a retiree? You can still qualify with flexible income types
Who can borrow
Borrow against residential or commercial property in Australia as a citizen or permanent resident over 18
What you’ll need
We only request what’s needed to support you. Typically ID, key property documentation, and in some scenarios, income verification.
Where we lend
We lend across metro and regional areas (excludes some remote postcodes)
Find out about our rates
Know your numbers up front. Explore our simple, transparent rates.
View ratesCompare your loan options
Bridgit
Traditional lender
Approval
Repayments
Loan term
Eligibility
Calculate your borrowing power
Life moves.
Here’s how we can help
Bridgit helps homeowners move forward with confidence.
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“I’m self-employed which is an obstacle that the banks have to take more time processing. Bridgit were accommodating and were able to provide a fast and effective solution.”
GilesBridgit customer
“It was a 3 day turnaround from when we first rang to when we were told we were able to make an offer on the property. It was incredible. It has made an incredible change to our lives.”
SharanneBridgit customer.png)
“The process was so quick and easy with Bridgit, I managed to sign my declaration between the 10th and 11th hole at my golf course.”
KayBridgit customer
FAQs
We aim to be transparent about our fees and help you understand how they apply to your loan. For a detailed breakdown of the types of fees you can expect to see, visit our rates page.
Yes! We ensure your information is secure by using bank level security and encryption across our digital platform. This means you get all the online benefits without jeopardising your trust in us.
Our application process is fast, simple, and completely digital. We start with your eligibility, asking a few questions about your bridging scenario, and digitally verify your identity. Our process moves pretty quick so if you are available to move quickly with us, we can have your approval ready in as fast as 24hrs.
There are typical costs associated with a bridging loan. These include a set-up fee, valuation costs, as well as discharge and legal fees.
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Unlock your financial potential
Progress starts with one conversation. Reach out to us today and discover how easy your next step can be.
Eligibility and approval is subject to standard credit assessment and not all amounts, term lengths or rates will be available to all applicants. Fees, terms and conditions apply.
1The Stay Rate will only apply if a repayment is made from the sale of Outgoing Properties (or another repayment method approved by us, at our discretion) and the repayment reduces the Amount You Owe to an amount that is equal to or less than your Residual Loan Balance.
^Comparison rate is calculated on a $150,000 secured loan over a 25-year term. For Upsizer loans, a Bridge Rate applies for the first 12 months, followed by a Stay Rate thereafter. For Downsizer loans, only the Bridge Rate applies. WARNING: This comparison rate is true only for the example provided and may not include all fees and charges. Different loan amounts, terms, or fee structures will result in different comparison rates. For interest-only periods, your loan balance does not reduce, meaning you may pay more interest over the life of the loan. Set-up fee from 0.60% and government charges apply.