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

How To Buy A House When You Haven't Sold Yours

Buying a new home and selling your old one at the same time can be a lot to handle, so many people search for ‘how to buy a house when you haven't sold yours’. If you’re wondering the same, bridge finance is the answer. You can get a loan against your property equity to fund the purchase of your dream home and worry about selling your existing property later. Buying a house before selling is possible with Bridgit. 

Bridgit is dedicated to helping you progress in life through bridging property finance. You can borrow from $300,000 up to $3,000,000 over six months, so you can take as much time as you need to settle into your new home. We can also go above or below the indicated loan amount if an exception is approved.

With this, you can save on temporary storage costs and other expenses associated with moving. Consider Bridgit if you plan to get a bridging loan in Melbourne or anywhere in Australia. 

Do you have more questions about how to buy a house when you haven’t sold yours? Read on to learn more about selling and buying property on finance. 

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

What is the advantage of buying a new house before selling my current one?

More and more people are looking up ‘how to buy a house when you haven’t sold yours’ because of the benefits of doing so. One of its best advantages is that you don’t have to miss out on a great opportunity to buy your dream house because you haven’t sold your current home yet. A bridging mortgage can give you instant cash flow to buy the house you want, when you want it. You can also use the loan to renovate your existing home to increase its value and sell it at a price you’re happy with.

Bridgit has streamlined how to buy a house when you haven’t sold yours through our very own cutting-edge technology. You may submit your online application and get approval within 24 hours and possibly get a settlement in as little as a few days. Unlike traditional lenders, our process is fast and hassle-free, making it possible to get a bridging loan without leaving your home.

Do I need a bridging loan if I buy a new home before selling my old one?

There are different ways to buy a house when you haven’t sold yours, but bridge finance is one of the most practical ways. It won’t disrupt your cash flow or result in double mortgages, as you can pay for the loan after selling your house at the end of your loan term and refinance your existing mortgage into the bridge loan. You can also use the loan to renovate your existing property or pay the downpayment of your new home by using the Bridgit equity release, allowing you to achieve your goals more quickly without financial stress.

Is a bridging loan a good idea? Definitely, especially if you get one from Bridgit. We don’t charge monthly repayments, so you can pay back your loan in a lump sum after selling your old house. The first month of your loan term will be free from interest as well, meaning your loan only includes the set-up fees and loan amount if you settle your loan within one month.

If you have other questions aside from ‘how to buy a house when you haven’t sold yours’, you may schedule a call with the Aussie-based Bridgit team for a consultation. We will talk you through the process to help you buy your dream home, so feel free to contact us.

What should I be mindful of when buying and selling houses at the same time?

It’s a good idea to look for ways to support you buying a house when you haven’t sold yours, because having to buy and sell houses simultaneously can be stressful. Because you get very little time to move out of your old home and move to a new one after selling it, you might rush to buy a new house you’re not completely happy with. You may also be forced to sell your existing house for less than your desired price because you need to make a downpayment for your new home quickly so you don’t miss out on it.

In the process of selling your house, there also may not be a place for you to move into, so you may spend money on temporary living arrangements. A bridge loan at Bridgit can eliminate such problems by giving you the funds you need to buy your dream home and having more than enough time to settle that loan over six months. You can then plan for a more efficient and organised home buying and selling process.

If you have property equity, you can qualify for a short-term bridging loan – the practical option to choose rather than struggling with buying and selling houses simultaneously.

From PAYG earners, self-employed, and retirees – everyone is welcome to apply for a Bridgit loan. Bridgit adjusts pricing, loan size, and loan term according to the risk and your scenario. We can give you a great offer if you have low LVR, high-quality assets, and a strong credit score.

Complete your Bridgit loan application in less than ten minutes, and our team will reach out to let you know how much you can borrow. Send us a deposit (from $900) to accept our loan offer, and we will proceed with the valuation and verification processes. We will then send the necessary documents to you via email which you may sign electronically and complete your loan application to get the loan and purchase your property!

Apply for bridge finance at Bridgit to get closer to your dream home!

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Aussie based crew

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