How Bridge Works
A bridging loan built for real timing problems
Bridge is designed to help your customers buy their next property before selling their current one. See the scenarios that a bridging loan could apply to:
The Upgrader
A solution for clients purchasing a larger home without selling first, ensuring a single, seamless move into their upgrade.
- Serviceability on end debt amount
- Up to 85%* LVR to increase borrowing power
- No double mortgage payments (existing mortgage covered)
The Downsizer
Facilitates securing a smaller property first, allowing the client to maximise the sale price of their existing home on their timeline.
- No monthly repayments
- No income verification (ideal for retirees/equity-rich clients)
- No double mortgages (existing mortgage refinanced)
The Retiree
Enables clients to purchase retirement homes by using their existing equity, covering up to 100% of the new property purchase.
- Single security only (secured on existing property, reducing complexity)
- Up to 100% of new purchase + costs can be covered
- No income verification for downsizer cases
Investor
Allows clients to acquire new assets without rushing the sale of existing ones, optimising tax and renovation potential.
- Up to 24-month loan term (maximum flexibility for portfolio management)
- Multiple security options (allows use of tenanted property equity)
- Low-doc options available for self-employed investors
Long Settlements
Supports delayed or extended settlements, ideal for prestige or off-market properties requiring extended settlement periods, removing transactional pressure.
- Up to 24-month loan term available
- No double mortgage payments for the client
- No early exit fees (provides flexibility on repayment timing)
Marital Separation
Provides quick access to funds to secure a new home or buy out a partner, offering financial resolution during a transition.
- Specialists in complex separation financing scenarios
- Funds release quickly to secure the client’s new home
- Requires a fully executed separation agreement
Financial Consolidation
Utilising home equity to combine multiple outstanding debts into one manageable loan, simplifying the client’s financial picture.
- No monthly repayments
- Consolidates debt, providing time for a long-term strategy
- Simple digital application for quick access to funds
Home Improvements
Unlocks equity to fund cosmetic renovations before sale or move in, allowing the client to maximise the property’s value upfront.
- Dedicated to cosmetic / non-structural improvements only
- No monthly repayments
- Equity unlocked immediately to fund value-adding upgrades
House & Land Packages
Enables clients to secure a never-been-lived-in property and remain in their current home until the new property is completed.
- Up to 24-month loan term available
- Secures the asset to avoid market price increases or missed opportunities
- Requires 10% of funds (savings / loan) as a cost buffer)
