Rates and Fees
Bridgit loans are built for momentum. Short-term by design and approved fast, our rates are structured to suit your next move - simple, flexible, and upfront.
Owner-occupied
12-month term
Perfect for straightforward moves like downsizing, upsizing, or transitioning into a retirement village.
Bridge Rate from
8.49
p.a.
Stay Rate1 from
7.29
p.a.
7.43
p.a.
24-month term
Designed for added flexibility. Ideal if you need extra time for renovations, long settlements, or updating your new home before moving in.
Bridge Rate from
8.49
p.a.
Stay Rate1 from
7.29
p.a.
7.52
p.a.
Investor
12-month term
Suitable when you need to act quickly on time-sensitive or undervalued deals. Designed to keep momentum high when timing matters most.
Bridge Rate from
8.74
p.a.
Stay Rate1 from
7.29
p.a.
7.45
p.a.
24-month term
More breathing room to manage land & build package timelines, hold tenanted properties before selling, or time the market to their advantage.
Bridge Rate from
8.74
p.a.
Stay Rate1 from
7.29
p.a.
7.55
p.a.
12-month term
Perfect for straightforward moves like downsizing, upsizing, or transitioning into a retirement village.
Bridge Rate from
8.49
p.a.
Stay Rate1 from
7.29
p.a.
7.43
p.a.
24-month term
Designed for added flexibility. Ideal if you need extra time for renovations, long settlements, or updating your new home before moving in.
Bridge Rate from
8.49
p.a.
Stay Rate1 from
7.29
p.a.
7.52
p.a.
12-month term
Suitable when you need to act quickly on time-sensitive or undervalued deals. Designed to keep momentum high when timing matters most.
Bridge Rate from
8.74
p.a.
Stay Rate1 from
7.29
p.a.
7.45
p.a.
24-month term
More breathing room to manage land & build package timelines, hold tenanted properties before selling, or time the market to their advantage.
Bridge Rate from
8.74
p.a.
Stay Rate1 from
7.29
p.a.
7.55
p.a.
Fees
We believe in keeping costs upfront and easy to understand. Every loan includes a few standard fees, with no hidden surprises.
Our fees
From 0.60%
The set-up fee is calculated as a percentage of the total loan amount and is deducted from the loan proceeds at settlement.
Interest in advance
We calculate your interest in advance based on the bridge rate and include it in the total loan amount.
This means you don’t have to worry about making monthly repayments during your loan term. When you repay your loan, interest will be recalculated based on the actual term and the applicable rates.
From $900.
The deposit is paid to accept your conditional approval offer and allows you to move into the final stages of loan approval. On settlement we apply a credit of the same amount.
From $220 per valuation, varies based on property value
Australian Property Institute certified valuers conduct independent valuations on the properties listed in the application.
Valuation fees are paid at the conditional offer stage to support unconditional approval.
$450
The discharge fee covers the administrative steps to complete a hassle-free and smooth transition from your loan.
$770
We work with expert lawyers to handle all the loan paperwork and to represent Bridgit at settlement, ensuring everything runs smoothly.
Government and third party fees
Varies
Engaging a lawyer to assist with the process can ensure that all loan requirements are properly managed and can provide representation on your behalf. Legal fees will vary based on the specific lawyer you choose.
Property reports like inspection or strata can vary in cost
You might need to consider ordering inspections or property related reports.
Government charges can include stamp duty, check your local government website for details
We can include stamp duty in your loan amount, making it easier to manage your finances during your property transition.
Varies by state. Typically ranges from $200-$400
Registering your mortgage or discharge of mortgage. We include an allowance in your total loan amount.
Bank-grade security
Every transaction, document, and piece of data is secured with industry-leading protection.
Lightning-fast approvals
Life doesn’t wait around, and neither should your finance. Apply today, get an answer as soon as tomorrow.
Real people, real service
Our team is here to make things easy. Talk to real people who care, and who know how to keep things moving.
Trusted by homeowners
We help Australians upsize, downsize, renovate and start their next chapter. Whatever the step, we can help you get there.
Bank-grade security
Every transaction, document and piece of data is secured with industry leading protection.
Lightning-fast approvals
Life doesn’t wait around, and neither should your finance. Apply today, get an answer as soon as tomorrow.
Real people, real service
Our team is here to make things easy. Talk to real people who care, and who know how to keep things moving.
Trusted by homeowners
We help Australians upsize, downsize, renovate and start their next chapter. Whatever the step, we can help you get there.
Life moves.
Here’s how we’ve helped.
Bridgit helps homeowners move forward with confidence.
Bridging Loans
Buy now, sell later. No more missing out or standing still. A whole lot more momentum. Keep life moving.
Calculator
Find out what’s possible - calculate your borrowing power today.
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.