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A home loan to help you buy before you sell

Our bridging loan lets you buy a new home now while you wait to sell your old one, later. It’s that easy. When you sell your old property, the sale funds are used to pay down your bridging loan, after which the loan remaining will convert to a standard variable home loan.

Our bridging loan gives you the flexibility to buy now and sell later. Enjoy the benefit of owning your new home today and the breathing space to sell your old home in the future, on your terms.

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Get started

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

Need to Know More? Here's the Whole Offer

Rates

Principal & interest

Interest Rate:

-

Comparison Rate:

-

Max LVR:

-

Interest only

Interest Rate:

7.75% p.a.*

Comparison Rate:

6.31% p.a.*

Max LVR:

80%

Key Features

20% deposit minimum

6 or 12 months Bridging period

Fixed rate during the bridging period

No repayment required for the first 6 months

No monthly, ongoing, or settlement fees

Offset account available after bridging period.

Free redraw on any additional repayments after bridging period

Fees

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

P&I

Interest Rate:

Comp Rate:

Max LVR:

-

-

-

IO

Interest Rate:

Comp Rate:

Max LVR:

7.75% p.a.*

6.31% p.a.*

80%

20% deposit minimum

6 or 12 months Bridging period

Fixed rate during the bridging period

No repayment requiredfor the first 6 months

No monthly, ongoing, or settlement fees

Offset account available after bridging period.

Free redraw on any additional repayments after bridging period

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

2024 WeMoney - Best for Value (Refinance) 2023 WeMoney - Best Value for Variable 2024 Mozo - Expert's Choice for Green Home Loan Gold Award - Best Green Home Loan 2022 WeMoney - Outstanding Customer Service
Our home loan products are recognised & awarded by the Australian financial industry

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Home loan repayment calculator

Use our home loan calculator to estimate what your monthly mortgage repayments could be. Whether you're refinancing or just wanting to understand how much you can afford, all you have to do is enter how the amount you would like to borrow, interest rate, home loan term, payment frequency, and repayment type (either principal & interest or interest-only).

%
years
years
Estimated savings from repayments graph

Your estimated repayments are

$279.21
$50,000
$50,513

Calculator assumptions

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 & save

Settle & save

Your loan will settle and you'll start saving with your new low rate, and get your keys to your new dream home!

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. 

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