Buy your next home before you have sold.

24 hour bridging loan approval

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Best Lending Innovation

Winner, Finder Innovation Awards 2023

Why Bridgit?

24 hour approval

Progress quickly and buy with confidence. We will come back to you regarding an approval offer in under 24 hours.

No monthly repayments

Avoid the added stress of monthly fees. Repay your loan in one sum after the sale of your existing property.

Interest free period

Buy and sell on your terms. Our interest free period gives you time to sell your home to the perfect buyer.

Apply now

Bridge Finance

When you’re ready to move into a new home, bridge finance can help you purchase your desired property without rushing to sell your existing one. For example, some people look to downsize their property for a smaller, more manageable property, while others wish to upsize for more room for their assets or growing family. Whatever the reason for moving is, the typical scenario is that people will sell their existing property first to afford the new property.

Often this can be a stressful and inconvenient experience as once the existing property is sold, you may not have found a new home and need to move your belongings into temporary storage or a short-term rental. This results in additional moving costs, forcing you to find a new property quickly. Bridge financing enables you to enjoy the process of moving into your dream home, save on temporary living and moving costs, and make better decisions without having to rush the sale of your existing property.

Bridgit offers gap financing solutions for property in the form of a short-term bridging loan. With Bridgit, you can borrow against your existing equity to purchase your next property and worry about selling your existing one later. If you have questions like ‘what is a bridge loan?’ or ‘how long can you have a bridging loan for?’ our fantastic customer service team will be happy to assist you. 

Learn more about bridge finance below to determine which bridging loan provider is right for you.

Bridging loan

Buy your next home before you have sold or settled with the Bridgit loan

Set up fee from 0.99%*

1 month interest free

Min $300K, max $3M

Apply now

Up to 6 months loan term

No monthly repayments

LVR up to 75%

From 8.69% p.a thereafter, 8.81% p.a comparison rate^

*If the property you are selling is located in a metropolitan postcode, has an exchanged contract of sale and will settle within 30 days of loan funded date.

Get 24 hour approval

Trusted by customers who Bridgit

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21 Feb 2022

I had a great experience

Bridgit provided superb customer service with regular communication throughout the process. A much more personable and flexible experience.

- Giles

14 Feb 2022

We settled on time!

The team were exceptional in getting valuation, documentation etc completed and we settled for property on time!

- Neil

20 Jan 2021

Fast & Efficient

Bridgit were fast and efficient we would never of been able to buy our dream property without them. Would highly recommend them and the team.

- Kristen

22 Dec 2021

Great to deal with

They came back to us quickly with a decision, and we were able to move forward with confidence. I would use them again and will recommend them.

- Anthony

20 Dec 2021

Thank you Bridgit

Thank you all at Bridgit. The whole process was quick and efficient, completely the opposite from dealing with the bank.

- Frances

13 Dec 2021

Fast and efficient

Bridgit were fast and efficient we would never of been able to buy our dream property without them. Would highly recommend them and the team.

- Sharrane

02 Feb 2023

Definitely worth a try

If you're thinking about getting a bridging loan I'd recommend giving Bridgit a try. In my experience I found Bridgit to be way more efficient than the big banks. I received conditional approval within an hour of my application and unconditional approval within a week.

- Michael

23 Nov 2023

Definitely will be recommending team Bridgit again

Bridgit came to the rescue providing an approval less than 24hrs of submission and settlement booked within 24hrs of returned signed loan docs. With Bridgit's assistance and fast processing we were able to leave a positive experience with our high valued client.

- Irene

11 Nov 2023

Highly recommend

The team at Bridgit was so helpful in ensuring my clients could settle on their dream homes. Our situation was slightly complicated, but this never phased Bridgit, who offered us a solution no bank could.

- Oliver

20 Oct 2022

Worth a look before the banks

Bridgit absolutely came through for us - customer service was great. The whole team was up-to-date with our application making it easy to progress. I highly recommend Bridgit. Very reasonable fees and rates make them an option to be seriously considered over the big banks.

- Dana

24 Jun 2022

Professional, knowledgeable, unbelievably impeccable

I have never dealt with such a professional financial institution such as Bridgit in my years of buying houses. I encourage anyone looking for a bridging loan to utilise this unbelievable institution.

- Vikki

08 Apr 2022

A bridging loan that is easy!

A great new bridging loan facility that is market-leading and easy to set up, quick to provide approval and follow up customer service. If you are downsizing or moving, and need finance to make it happen efficiently and without the usual red take, then this is the lender for you.

- Paul

20 Dec 2021

Mortgage broker experience

I referred a client to Bridgit and was very happy with their service. They approved the application in 5hrs, which allowed them to bid with confidence at auction the following day.

- George

21 Feb 2022

I had a great experience

Very easy to apply - I had my conditional approval within hours of submitting my request. It was very clear what needed to be provided to get unconditional approval, and I knew when I inspected the property that if I needed to make an offer, I was well-placed to do so.

- Annette

23 Nov 2022

Highly recommend working with Bridgit

Working with Bridgit to obtain financing for a bridging loan was straightforward. The online interface guides you through the requirements, and their customer service team is very helpful. Any questions we had were answered promptly. They have found a niche in the bridging loan market.

- Marcus

It’s as easy as...

Apply in minutes

Quick and simple online application, with bank level security and encryption.


Fast approval

Get approved within 24 hours and progress with confidence.


Unlock your property equity

Make the most of opportunities! Repay the loan once your existing home has sold.

Apply now

Is it difficult to get a bridging loan?

Compared to other kinds of loans, bridging property finance is more complex, so it’s not surprising that traditional lenders take longer to process applications for bridge finance. Getting short-term property funding can be difficult if you choose to work with a lender that doesn’t have a streamlined or digital lending process yet.

With Bridgit, you can enjoy a hassle-free experience from when you apply for a bridge loan, to releasing the equity, to getting the funds released, to settling your loan. Our application process is completely digital, so we can move quickly and approve your application within 24 hours. We simply assess your eligibility for the loan by asking a few questions about the property you are selling and the property you are buying as well as your financial position. We then digitally verify your identity. You can receive the funds in as little as a few days after processing your loan and mortgage documents.

Do I need a deposit for bridging finance?

When it comes to making deposits for bridge finance, some lenders require a deposit to release your funds, while some don’t. With bridge financing, the lender will provide you with funds depending on the value of your existing property equity, and once the property is sold, the proceeds will be used to pay off your loan. You need to settle the loan within the bridging period that you and the lender have both agreed to.

At Bridgit, you only need to make a deposit from $900 to accept your conditional approval offer, and you can enjoy a loan term of up to six months. However, this is taken off your total loan amount when you settle. This means that you just need to sell your existing property and settle your Bridgit loan within six months. Our bridge finance option is among the most competitive in Australia as we don’t require any monthly repayments – plus, the first month of your loan period will be entirely interest-free. If you sell your property and settle your loan within one month, only the set-up fee is added to the total loan proceeds.

How much can I borrow on a bridging loan?

The amount of money you can borrow from a bridging finance service depends on several factors, such as the value of your property, the loan period, the bridging finance rates, and how much your lender is willing to lend you.

At Bridgit, you can borrow between $300,000 to $3,000,000 depending on the type of property you are buying, the kind of existing property you have, and the LVR or loan to value ratio. We can also go above or below this loan amount if the exception is approved. The LVR at Bridgit is as follows:

  • 75% for Residential Properties
  • 50% for Vacant Land

What sets us apart is that we adjust our pricing and loan size according to risk.

Bridgit makes applying for bridge financing easier as we leverage advanced technology to streamline our lending processes and deliver the best experience for you. All it takes is five to ten minutes to complete the loan application, and your application can be approved within 24 hours. At Bridgit, our goal is to offer you a bridge finance solution that suits your needs and helps you progress in life.

Apply for bridge finance at Bridgit today! Our friendly loan specialists are ready to assist you if you’re unsure what loan works for you. Email us at to speak with our team!

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Aussie based crew

We’re here to help, if you have any questions get in touch

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