08 8182 5555

Bridge the gap between your current home and the next

Bridging finance may help you buy before selling, but the timing, valuation and sale assumptions need to be realistic.

  • Calculate peak debt and expected end debt
  • Understand the bridging period and repayments
  • Plan the sale price and time buffer conservatively
  • Compare bridging with selling first or renting temporarily
08 8182 5555
Australian couple reviewing bridging finance while moving house
BridgeFinance
PeakDebt
SaleTiming
South Australian Owned Independent and local
Established in 1999 Decades of experience
Licensed credit provider Australian Credit License 385791
Bank + non-bank options Approved lender panel
Broker explaining bridging loan timing to Australian homeowners

What is a bridging loan?

A bridging loan is short-term finance used when a new home settles before the current home is sold. The lender assesses the peak debt while both properties are held and the end debt expected after sale proceeds reduce the loan.

Bridging is useful only when the borrower can meet the lender’s requirements and has a credible sale and fallback plan.

Bridging finance is commonly considered during next home buyer planning because the lender assesses the existing property, new property and expected sale proceeds together. Home loan pre approval may help clarify the likely position before a purchase, while a refinance review may be relevant if equity needs to be reorganised first.

How a mortgage broker helps with a bridging loan

  1. Review your properties and timing

    We estimate your current home’s value and selling costs and review the price and costs of your new purchase.

  2. Calculate your peak and end debt

    We model your highest temporary debt, expected loan after sale, likely interest and required repayments.

  3. Compare your bridging options and risks

    We explain suitable lenders, maximum terms, sale conditions and what happens if your current home takes longer to sell.

  4. Manage your approval and valuations

    We prepare your application and coordinate the lender assessment and valuation requirements for both properties.

  5. Coordinate your purchase and sale

    We work with the lender and your conveyancer or solicitor to help manage your settlement and repayment of the bridging debt.

What home loan clients have to say

Real stories from people we helped make clearer, more confident loan decisions.

★★★★★

Michael had our loan easily secured

Michael Phillips from AAA Mortgage is an EXCEPTIONAL mortgage broker who can get results where others can’t.

Our friend recommended Michael when our current mortgage broker could not secure our bank loan after 5 weeks and we were looking into the complicated process of bridging finance and other possibilities which were looking futile.

My friend insisted we try Michael as he had managed to help her get a loan when her existing mortgage broker couldn’t and in desperation we contacted him.

In 2.5 weeks Michael had our loan easily secured. No fuss. No expensive bridging finance. His knowledge, persistence and people skills make him an unbelievably good mortgage broker. He knows how to work with obstacles and calmly and methodically meets them until the deal is secured.

We are looking forward to spending the next 30 years of our lives living in our dream home and we never would have got if it hadn’t been for Michael. Thank you. We cannot recommend him highly enough.

Christopher and Gabriella, Stepney S.A

★★★★★

He’s exceptional

Mathew is not your average broker — he’s exceptional.

Took the stress out of the process, explained everything in plain English, and actually delivered what they promised. Fast, clear, and on your side the whole way. Highly recommend.

James, Terrigal N.S.W 2260

★★★★★

I wouldn’t use anyone else!

I wouldn’t use anyone else! By far the best Brokerage firm I’ve used in 20 plus years of buying and selling property.

Kylee, Murray Bridge S.A. 5253

★★★★★

Easy Process.

Very Good and easy process.

Monique, Paralowie S.A.

★★★★★

Very happy with the professional service .

Larry Vallelonga was the most professional mortgage broker I’ve ever used he has excellent knowledge of the industry. And explains the process in all details and answered all questions that we had and kept me updated by every step of the process. Very happy with the professional service that we received from AAA mortgage..

Mark and Karyn, Paralowie S.A. 5108

★★★★★

We will definitely use again and recommend.

We clicked with Robert from the first phone conversation that was had, he understood what we wanted and followed it through till the end. Robert’s friendliness, professionalism and advice got us in a very good position for the future! We will definitely use again and recommend.

Luke, Strathalbyn S.A. 5255

★★★★★

Thank You, So much, I am really appreciative.

Thank You, So much, I am really appreciative.

Mohammad, Salisbury East S.A. 5109

★★★★★

Would recommend them to anyone.

Warm friendly services and a pleasure to deal with. Would recommend them to anyone.

John and Gina, Fullarton S.A.

★★★★★

Michael was amazing.

Everything was made so easy and we felt supported in the whole process from start to finish.. Michael was amazing.

Courtney and Bianca, Parafield Gardens S.A. 5107

★★★★★

I highly recommend him.

Matt did provide excellent support throughout the process and I highly recommend him.

Thank you.

Roby, Walkley Heights S.A 5098

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Bridging loan FAQs

It is temporary finance that covers the period when you own the new and existing properties at the same time. Sale proceeds from the existing home are then used to reduce the debt.