Buy your next property on your terms

24 hour bridging loan approval

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Buy your next home on your terms

24 hour bridging loan approval

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

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 $4M

Apply now

Up to 6 months loan term

No monthly repayments

LVR up to 80%

From 8.45% p.a thereafter, 8.57% 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.
Why buy before you sell with Bridgit?
Fast approval outcome
We'll provide you with a loan approval outcome in less than 24 hours.
No monthly repayments
No monthly repayments or fees with 1 month interest free.
No double mortgages
We’ll pay your existing mortgage, so you don’t have to worry about two mortgages at once.
Save on temporary living
Move into your home sooner and avoid short-term rental, storage and moving costs.
No missed opportunities
Don’t miss out because of slow processes, unlock your property equity in 24 hours.

Get 24 hour approval

Trusted by customers who Bridgit

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21 Feb 2022

Customer Service at its best

Everyone I dealt with at Bridgit was helpful and responsive. Candice (BDM) checked in with me regularly to make sure everything was going smoothly and Andrew kept me in the loop. I recommend Bridgit highly.

- Sue Farnham

14 Feb 2022

Going above and beyond for results

The priority that was placed on this file and constant updates was truly appreciated. Thank you for using common sense and finding a solution for our client’s needs on an oddly zoned security.

- Nicole Fox

20 Jan 2021

Great Team.

During the stressful times of obtaining Finance, the BRIDGIT Team came to the fore. We are most grateful for their advice and support.

- MTW

22 Dec 2021

The team at Bridgit were remarkably talented

The team at Bridgit were remarkably talented and understands the pressing issues the situation demands. I cannot thank them enough for stepping up to a life saving situation for customers.

- Jehan Fernando

20 Dec 2021

We are so happy we chose Bridgit

We are so happy we chose Bridgit over a bank. Tom, George and Ken assisted us all the way. They explained everything and made the process easy and stress free. We cannot recommend Bridgit highly enough.

- Felicity F

13 Dec 2021

Bridgit was phenomenal

Bridgit was phenomenal in getting our pre-approval ready (within hours!). Easy to deal with and they knew exactly where my application was at.

- NH

13 Dec 2021

Quick and simple process

I had never dealt with Bridging Finance as a Broker previously & Bridgit made the process quick & simple. I could get quick help & support that helped me navigate my first Bridging Finance application.

- Chris

13 Dec 2021

I approached Bridgit with a scenario

I approached Bridgit with a scenario that needed to be settled within 12 days. The deal was lodged within 48 hours. My clients achieved a great result in the time frame required.

- Benjamin Sutton

13 Dec 2021

Definitely worth a try

If you're thinking about getting a bridging loan I'd recommend giving Bridgit a try. I found Bridgit to be way more efficient than the big banks. The communication was great too.

- Michael

07 Feb 2024

Customer Service at its best.

Everyone I dealt with at Bridgit was helpful and responsive. Candice (BDM) checked in with me regularly to make sure everything was going smoothly and Andrew kept me in the loop. I recommend Bridgit highly.

- Sue Farnham

11 Nov 2023

Going above and beyond for results

The priority that was placed on this file and constant updates was truly appreciated. Thank you for using common sense and finding a solution for our client’s needs on an oddly zoned security.

- Nicole Fox

11 Nov 2023

Great Team

During the stressful times of obtaining Finance, the BRIDGIT Team came to the fore. We are most grateful for their advice and support.

- MTW

20 Oct 2022

The team at Bridgit were remarkably talented

The team at Bridgit were remarkably talented and understands the pressing issues the situation demands. I cannot thank them enough for stepping up to a life saving situation for customers.

- Jehan Fernando

24 Jun 2022

We are so happy we chose Bridgit

We are so happy we chose Bridgit over a bank. Tom, George and Ken assisted us all the way. They explained everything and made the process easy and stress free. We cannot recommend Bridgit highly enough.

- Felicity F

20 Dec 2021

Definitely worth a try

If you're thinking about getting a bridging loan I'd recommend giving Bridgit a try. I found Bridgit to be way more efficient than the big banks. The communication was great too.

- Michael

20 Dec 2021

Bridgit was phenomenal

Bridgit was phenomenal in getting our pre-approval ready (within hours!). Easy to deal with and they knew exactly where my application was at.

- NH

21 Feb 2022

Quick and simple process

I had never dealt with Bridging Finance as a Broker previously & Bridgit made the process quick & simple. I could get quick help & support that helped me navigate my first Bridging Finance application.

- Chris

23 Nov 2022

I approached Bridgit with a scenario

I approached Bridgit with a scenario that needed to be settled within 12 days. The deal was lodged within 48 hours. My clients achieved a great result in the time frame required.

- Benjamin Sutton

Get 24 hour approval
with Bridgit

01

Submit application

Apply online and receive 24 hour approval. Tell us some details about yourself and see how much you can borrow.

02

Accept the offer

Accept your loan offer by making a small upfront deposit and progress your application to the next stage.

03

Purchase your property

Once we’ve valued the property and completed final verifications, sign the documents and you are on your way to settlement in as little as 48hrs*.

*Subject to the loan scenario and outgoing lender processes on refinance (if applicable).

04

Sell

Sell your existing property and pay down your Bridgit loan. No rush, you have up to 6 months.

Get same day approval with Bridgit

01

Submit application

Apply online and receive same day approval. Tell us some details about yourself and see how much you can borrow.

02

Accept the offer

Accept your loan offer by making a small upfront deposit and progress your application to the next stage.

03

Purchase your property

Once we’ve valued the property and completed final verifications, sign the documents and you are on your way to settlement in as little as 48hrs*.

*Subject to the loan scenario and outgoing lenders processes on refinance (if applicable.)

04

Sell

Sell your existing property and pay down your Bridgit loan. No rush, you have up to 6 months.

Apply now

It’s as easy as...

Apply in minutes

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

1

Fast approval

Get approved within 24 hours and progress with confidence.

2
3

Unlock your property equity

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

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. We offer an initial interest free period on your Bridgit loan, meaning if you sell your property and discharge your loan in this time, you will not pay any interest.

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

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

Weekdays 9am – 5pm

Disclaimer

^Comparison rate is calculated on a $150,000 secured loan over a 25-year term. WARNING: Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rates for interest only loans will not reduce your loan balance. This may mean you pay more interest over the life of the loan. Bridging Loan set up fee is from 0.99% and government charges apply.

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.