Areas served: Melbourne metro, Inner Metro, Western Growth Corridors, South East, Geelong, Mornington Peninsula
Melbourne's diverse property market creates opportunities that require fast action. Whether you're securing a commercial asset in the CBD, residential property in the Inner East, or development sites in the growth corridors, bridging loans provide the speed and flexibility you need.
Get Solutions provides bridging finance across Melbourne metro, the Western Growth Corridors, and surrounding regions. Our credit team understands Melbourne's varied sub-markets and can assess deals quickly because we know where value lies.
Our bridging loans are designed for real-world timing challenges. With terms from 1 to 12 months and LVRs up to 75%, we structure facilities around your exit strategy, not the other way around.
For brokers, we offer fast preliminary assessment, competitive commissions, and a credit team that can work through complex scenarios. For borrowers, we provide certainty from approval to settlement.
Why Brokers Choose Get Solutions
Fast Decisions
Preliminary assessment within 24-48 hours. No waiting weeks for credit committee.
Execution Certainty
When we say yes, we deliver. Our approval-to-settlement rate exceeds 95%.
Local Expertise
Deep understanding of Melbourne property markets and development corridors.
Broker Focused
We protect your client relationships and pay competitive commissions.
Our Finance Solutions
Bridging finance is just one of our products. Depending on your client's situation, another solution might be a better fit. Explore our full range of private lending products available in Melbourne.
Investment Loans
Income-backed senior loans for stabilised investment assets
Learn moreDevelopment Finance
Senior capital for land and construction, structured as one facility
Learn moreLand Banks
Capital to secure and hold development sites ahead of execution
Learn moreStall'd Projects
Completion capital for stalled or partially completed developments
Learn moreSecond Mortgage / Mezzanine
Structured capital to solve equity gaps without refinancing senior debt
Learn moreResidual Stock / Unsold Units
Liquidity solutions for completed developments with unsold stock
Learn moreBridging Finance
Short-term capital to solve timing and execution gaps
Learn moreMelbourne Scenario Examples
Inner East Residential Purchase
A Melbourne buyer secured a property in Richmond through private sale but their bank couldn't settle within the vendor's 21-day timeframe. We provided $2.1M bridging finance and settled on day 19, with refinance to their bank completed within 3 months.
Commercial Acquisition - South Melbourne
A business owner needed to purchase adjoining commercial premises to expand their operation. The vendor required fast settlement. We provided $1.6M bridging finance in 16 days, with the loan repaid via a commercial refinance.
Development Site Acquisition
A Western suburbs developer needed capital to secure a site before a competing buyer. We settled $2.8M in 10 days, allowing them to control the asset while finalising their development finance arrangements.
Portfolio Restructure
An investor needed to pay out an existing lender who had called in their loan. We provided $3.4M bridging finance to refinance the existing debt, giving the borrower 12 months to arrange permanent finance with a new lender.
These scenarios are illustrative examples based on typical transactions. Individual circumstances vary and all applications are subject to credit approval.
Frequently Asked Questions
How quickly can I get bridging finance in Melbourne?
We can typically provide settlement certainty within 1-2 weeks for straightforward transactions in Melbourne. Inner-city and established suburbs often move faster due to readily available comparable evidence. For auction purchases, we can provide pre-approval.
What LVR can I get on a bridging loan in Melbourne?
Bridging loans in Melbourne are typically offered up to 75% LVR on residential and commercial property. Inner suburbs and established areas generally attract the best LVRs. Outer growth corridors are assessed based on comparable sales evidence.
What properties do you lend against in Melbourne?
We lend against residential, commercial, industrial, and development property across Melbourne metro. We have strong appetite for Inner East, Inner North, South East, and CBD fringe locations. Growth corridors are considered for quality security.
Do I need to prove income for a bridging loan?
Bridging loans are primarily asset-backed, focusing on security value and exit strategy rather than income servicing. This makes them suitable for self-employed borrowers, investors, and situations where traditional income verification doesn't apply.
What exit strategies are accepted for bridging finance?
Acceptable exits include property sale, refinance to a bank or other lender, business cash flow, or settlement of another transaction. We require a clear, demonstrable exit strategy as part of the approval process.
What are the costs of bridging finance in Melbourne?
Bridging loans typically have establishment fees of 2-3% and interest rates from 10-14% p.a. depending on LVR and security quality. There are no early exit penalties, so you only pay for the time you use the facility. Legal costs are additional.
Do you lend in regional Victoria?
Our primary focus is Melbourne metro. We can consider Geelong, Ballarat, Bendigo, and Mornington Peninsula on a case-by-case basis for quality security with clear exits. Contact us to discuss your specific scenario.