Solutions / Bridging
Bridging Finance Australia
Short-term capital to solve timing and execution gaps
Overview
Speed and certainty when timing matters most.
Fast, flexible short-term capital for acquisitions, refinancing, or equity release when timing matters most. Interest capitalised or prepaid with flexible exit via sale or refinance.
Best For
- Acquisition or refinance with a defined exit
- Time-sensitive settlements
- Pre-construction or pre-sale periods
- Quick settlements
- Fast access to equity for investment purposes
Key Features
- Short-term facility (3-18 months)
- LVR up to 80%
- Loan sizes from $250k to $25m+
- Interest capitalised or prepaid
- Flexible exit via refinance or sale
- Fast approvals and settlement
Parameters
Eligibility criteria
Property Type
Residential, Commercial, Industrial, Land
LVR
Up to 80%
Minimum Loan
$250,000
Term
3-18 months
Exit
Clear exit strategy required
Location
Metro and major regional Australia
Pricing
Indicative fees
Indicative only. All pricing is set by the lender and subject to credit assessment, security quality, and borrower profile.
Establishment Fee
2-3%
Of loan amount
Interest Rate
10-14% p.a.
Capitalised or prepaid
Exit Fee
Nil
No early repayment penalty
Checklist
Required documents
01
Borrower ID
02
Entity Documentation
If applicable
03
Contract of Sale
If purchasing
04
Valuation or Appraisal
05
Exit Evidence
Sale listing, refinance pre-approval, etc.
06
Existing Mortgage Statement
If refinancing
All applications subject to credit approval. Clear exit strategy required. Fast turnaround subject to complete documentation.
How quickly can bridging finance settle?
Bridging facilities can settle within 1-2 weeks for straightforward transactions with clear security and exit, subject to funding-partner approval.
What is the typical term?
Bridging facilities typically run 1-12 months, designed to bridge the gap while arranging permanent finance or completing a sale.
What exit strategies are accepted?
Common exits include property sale, bank refinance, or longer-term private finance once conditions are met.
Can bridging finance be used for auction purchases?
Yes, bridging finance is well suited to auction purchases where fast settlement is required.
Coverage
Bridging Finance by Location
Find private lending services across Australia's major cities and suburbs.
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