Bridging finance

Buy the next one before this one sells.

Bridging finance covers the gap when your purchase settles before your sale does. You move on the buy without being forced into a quick, cheap sale.

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Settlement

In days

Term

To 12 months

Security

1st or 2nd

Repayments

Interest added

Indicative only. As brokers we place your deal with the right private lender; final terms are set by that lender.

Settlement timing should not cost you the deal.

Bridging finance covers the period between buying one property and selling another. When the dates do not line up, or a sale runs late, a bridge keeps the purchase alive. You are not forced to accept a low offer just to free up cash by the settlement date.

The loan is meant to be temporary. It is repaid when your sale settles or you refinance to a longer-term facility. We build room into the term, so if the sale slips we work with the lender on an extension rather than pushing you into a distressed sale. Interest is usually added to the balance, which keeps monthly cash flow clear while the bridge runs.

Owner-occupiers moving up, investors acquiring, and developers securing a site ahead of DA all use bridging for the same reason: the opportunity will not wait for the paperwork on the other side.

What it looks like

  • First or second mortgage security
  • Covers the gap between a purchase and a sale
  • Interest added to the loan, no monthly repayments required
  • Terms to 12 months, sized to your sale timeline
  • Extension options if the sale runs late
  • Fast assessment and settlement on a clean file

Who this is for.

Buy before you sell

Secure the next property before the current one settles. The bridge covers the equity gap so market timing does not dictate your move.

A sale that slipped

Your buyer pulls out or settlement is pushed back. A bridge gives you the time and the funds to hold the line instead of accepting a rushed offer.

Broken chains

One late settlement can collapse a chain of linked transactions. Bridging funds the gap so each party can settle on time.

Deals we've placed.

All settled deals→
“Bridging is about timing, not distress. We size the term against a realistic sale and build in room, so a slow sale doesn't turn into a fire sale. Tell me what you're buying and what you're selling, and I'll come back on whether a bridge stacks up and what it costs.”
Rory McGrath
Rory McGrath

Founder and Managing Director, Aurelius Private

Common questions.

A short-term loan that covers the gap between buying a new property and selling an existing one. It lets you complete the purchase before the sale has settled, then repays when the sale goes through.
Usually not. Interest is added to the loan balance and cleared at the end of the term when you sell or refinance. That keeps your cash flow free while the bridge is running, though it does mean the balance grows over the term.
We size the term with a buffer for exactly this. If the sale runs late, we go back to the lender for an extension rather than forcing a quick sale. The earlier you flag a delay, the more room there is to work with.
Yes. Bridging suits auction purchases where you have to settle on a fixed date. If you only need cash for the deposit and can settle the balance shortly after, a caveat loan can move even faster.
A registered mortgage, usually a first mortgage over the property being bought, and sometimes a second mortgage over the one being sold. Our first mortgage page covers how the security position affects pricing.

Bridging finance near you

We are based on the Gold Coast and place bridging finance for clients right across South East Queensland. Explore by area:

Bridging finance on the Gold Coast→Bridging finance in Brisbane→

Tell us about your deal.

Send through the scenario. You’ll hear back the same day with who would fund it and roughly what it costs. If it doesn’t stack up as it stands, we’ll say so and tell you what would need to change.

Submit a scenarioCall 1300 076 410