Eligibility

We can help all types of property owners, including:

• PAYG employees (full-time, part-time, or casual)
• Self-employed (alt doc or low doc)
• Retirees with or without income (for downsizing or moving to aged care)
• Company or trust applicants (with individual guarantors)

To be eligible for a Bridgit loan, you’ll need to:

• Be an Australian Citizen or Permanent Resident aged 18 or over
• Have a good credit history
• Be borrowing against a property in Australia
• Hold a valid government-issued ID (driver’s licence or passport)

We can lend against:

• Residential properties (houses, apartments, townhouses)
• Owner-occupied or investment properties
• Single or multiple securities
• Properties up to 10 hectares in size
• Most metro and non-metro locations (some regional areas excluded)

We can’t lend against:

• Vacant land, construction loans, or owner-builder properties

We know every borrower is different. Here’s what we’ll need based on your situation:

PAYG employees:

• Income statement for the previous financial year for all bonus, commission, overtime, allowance, or casual income
• Two most recent months of consecutive payslips showing employer ABN and YTD income
• For casual or secondary employment: minimum 6–12 months in current role

Self-employed:

• ABN registered for at least 24 months
• Two years of personal and business tax returns, or
• Accountant declaration, 6 month BAS or 6 month business bank statements (alt doc verification)

Retired applicants:

• If downsizing, no income verification required