Bridging Finance
Buy your next property before you sell. No repayments while you wait. Many of our bridging clients are property investors buying their next purchase before an existing property settles.
Bridging Finance with LoanBuddy
Bridging finance is a short-term loan that lets you buy before your current property has sold. We work with a number of specialist bridging loan providers, including options with no monthly repayments during the bridging period. Interest capitalises, so you only deal with one repayment at the end when your existing property settles.
It suits a range of situations: couples separating, homeowners downsizing or upgrading, and buyers facing a settlement shortfall. We model the numbers with you upfront so you know exactly what to expect.
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What we can help you with
No Repayments During Bridging
Interest capitalises during the loan term. You only repay when your existing property sells.
Buy Before You Sell
Move on your own timeline, not the market's. Secure your next property without rushing the sale of your current one.
Separation and Divorce
Finance the purchase of a new home while the family home is still in the process of selling.
Downsizing and Upgrading
Bridge the gap between properties without needing to rent in the middle or time two settlements perfectly.
Settlement Shortfalls
Cover a gap on an off-the-plan or delayed settlement while you arrange a permanent solution.
End Loan Structuring
We set up your long-term loan at the same time as the bridge, so the handover is clean and seamless.
When bridging finance makes sense
Separation and Divorce
When a relationship ends, the family home usually needs to sell. But that process takes time, and both parties often need to move on before the sale completes. Bridging finance lets one or both people buy their next property while the family home is still on the market. Neither party is forced into a rushed purchase or an unplanned rental period.
We work with clients going through separation to model realistic bridging scenarios, understand what each party qualifies for independently, and connect them with the right lender for their situation.
Downsizing or Upgrading
You have found your next home but your current one has not sold yet. The window to act can be narrow, and waiting could mean losing the purchase. A bridging loan lets you buy first and sell in your own time. You hold both properties during the bridging period, with no repayments on the bridge. When your current home sells, the proceeds repay the bridging loan and your end loan takes over.
This is one of the most common uses of bridging finance and suits both people downsizing after the family has grown up and buyers looking to upgrade to a larger home.
Settlement Shortfalls and Off-the-Plan Purchases
Off-the-plan purchases come with a long lead time between contract and settlement. Valuations can shift, loan assessments change, and buyers sometimes find a gap between what they originally borrowed and what they now need to complete the purchase.
Bridging finance can cover that shortfall and give you time to arrange a permanent solution without losing the property or defaulting on the contract.
Common questions about bridging finance
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