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Apply online today. Or, one of our friendly lending specialists can do the hard work for you and manage your paperwork over the phone.

Either way, we can settle your loan quickly so you can start saving thousands sooner.

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Talk to a home loan expert

Book a time that suits you to chat with a lending specialist.

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Ready to apply or want pre-approval?

Call us on 13 10 90 or simply start your application online.

Top reasons to choose this loan

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3 months
interest free

Pay absolutely no interest during the first 3 months

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6 months
no repayment

Make no repayments during the first 6 months

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Flexible bridging
period

Choose between 6 or 12 month bridging loan period

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Buy now,
sell later

Buy your new home now, sell your old one later

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Sell at the
right time

Sell your current property at any time within the bridging period

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Don’t rent between
homes

Live in your old property until your new home settles

Why Aussies Choose Us

Apply anytime, and from anywhere. image

Apply anytime, and from anywhere.

Fast tracked pre-approval in minutes. image

Fast tracked pre-approval in minutes.

Smarter lending to get you moving sooner. image

Smarter lending to get you moving sooner.

Online convenience, local support. image

Online convenience, local support.

Need to know more? Here's the whole offer

Repayment Type

Maximum LVR of 80%

Product Interest rate from Comparison rate
Bridging Loan 7.75% p.a.*^ 6.08% p.a.*
20% deposit minimum Yes
6 or 12 months Bridging period Yes
Fixed rate during the bridging period Yes
No repayment required for the first 6 months Yes
No monthly, ongoing, or settlement fees Yes
Offset account available after bridging period Yes
Free redraw on any additional repayments after bridging period Yes
Application fee $0
Ongoing fees $0
Security assessment fee $230##
Government fees At cost
Settlement fee $0
Bridging Loan setup fee 2% of loan amount

Work out your loan repayments

Use our home loan calculator to estimate what your monthly mortgage repayments could be.

Your loan details

years
Loan purpose
Loan type
Repayment type
Repayment frequency
Rate type
Most Popular

Bridging Loan

Owner Occupied Interest Only Up to 80% LVR
Purchase a new home before selling an existing one

Interest rate
7.75 %   p.a.
6.08% p.a.

Estimated repayments#
$323 per month
Loan amount
$50,000
Interest charged
$82,676

Frequently asked questions

A Bridging Loan gives you the funds to buy a new home now while you work to sell your old one within a ‘bridging’ period of either 6 or 12 months, starting from when you settle your new property.

The loan on your current home is refinanced and bundled with the loan amount of your new home to make the Bridging Loan. The bridging period of the loan exists until you sell your old home, at which point the sale funds are applied to reduce your loan, which then converts to a standard variable home loan against just your new property.

Yes. You can apply for a pre-approval on your Bridging Loan.

You will need at least 20% deposit to be eligible.

You can take 6 or 12 months to sell your home, depending on the bridging period you choose.

Our Bridging Loan is available to customers who are selling their existing owner occupied or investment property, to purchase a new owner occupied property. The new purchase must be owner occupied.

You can borrow between $50,000 and $3,000,000.

The bridging period refers to a maximum 6 or 12 month term, selected by you, between when you settle your new home (now) and when you sell your old one (later).

Depending on the bridging period you choose, interest may be charged. The interest charged during a bridging period is structured as follows: 

  • Months 1 to 3: No interest charged and no repayment required. 

  • Months 4 to 6: Interest charged monthly,  interest will be capitalised (added) to principal loan amount, no repayment required. 

  • Months 7 to 12: (if 12 month bridging period selected) Monthly interest only repayments required. 

Our home loan application process

1
Apply online

Apply online

Simply fill out your application online by entering some of your details, or chat to one of our friendly lending specialists over the phone and they can complete your application for you.

2
Goodbye paperwork

Goodbye paperwork

After your application is complete, use our system we call onTrack on your desktop or device to add your documentation such as payslips and bank statements, and track the progress of your application.

3
Settle

Settle

Your loan will settle, and you’ll enjoy your new loan rate.

Customer reviews

Our Google Rating

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4.5/5
524 reviews

Real-life customer stories

View all
Slide 1

Mary-Anne

Meet Mary-Anne, an amazing customer who needed a loan to buy her new home before the sale of her old one.

  • My husband and I decided to relocate. We wanted to be near our children, particularly our grandchildren, who lived interstate.

  • To make it work, we were selling two properties, our family home and an investment property, while also buying a new family home. The experience was challenging. It was a matter of being asset rich but cash poor, so we needed a simple loan, quickly, to help with the upfront costs of buying the new place while settling the sale of two others.

Slide 1

Bradley

Meet Bradley, an amazing customer of ours who came to us when he wanted to refinance a complex home loan and kickstart his property investment journey.

  • Bradley had been with a major bank for over 20 years when he decided to restart his property investment journey. During the COVID period, he began looking into ways to unlock the equity in his home and expand his financial portfolio. However, the experience with his existing bank was anything but smooth.

  • With a background in engineering and a busy family life, Bradley wanted a streamlined and supportive lending experience that could help him achieve his goals without the red tape.

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