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.

bridging-finance-chart
bridging-finance-chart
bridging-finance-chart

Why choose this loan?

3 months interest free

Pay absolutely no interest during the first 3 months

6 months no repayment

Make no repayments during the first 6 months

Flexible bridging period

Choose between 6 or 12 month bridging period

Buy now, sell later

Buy your new home now, sell your old one later

Sell at the right time

Sell your current property at any time within the bridging period

Don’t rent between homes

Live in your old property until your new home settles

Work out your loan repayments

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

Your loan details

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

Variable Home Loan

Owner Occupied Principal & Interest Up to 90% LVR
Get a loans.com.au competitive rate you'll be celebrating for years!

Interest rate
5.79 %   p.a.
5.83% p.a.

Estimated repayments#
$293.06 per month
Loan amount
$50,000
Interest charged
$55,500

Looking for flexibility to buy now and sell later?

What other customers are saying

Good service

Very good rates and good service

Jitendra G.
09 Apr 2025

Each experience has been smooth and reliable

Friendly staff with a highly professional approach to the finance industry. I would highly recommend working with the team at loans.com.au. This is my third time using their services, and each experience has been smooth and reliable.

Kevin W.
08 Apr 2025

Incredibly helpful throughout the process

Sharon and Team at loans.com were amazing. She was happy to answer and explain all my questions thoroughly. Every interaction with Sharon and the Team was supportive, willing to listen and provide help when needed. Will definitely recommend Loans.com especially working with Sharon and Lee Li.

Aman P.
01 Apr 2025

Very helpful, making the process easy

The staff were very helpful, making the process easy. I was slow at times to respond but they cheerfully dealt with this until I was approved. I am very impressed.

Kendall H.
01 Apr 2025

Straightforward

Straightforward, pleasant, very helpful staff.

Liz M.
30 Mar 2025

Very helpful and understanding

Tannah was very helpful and understanding. It's been a very smooth process and great communication on their part!

Billy T.
28 Mar 2025

Very smooth

Fabulous Team, thank you so much for a very smooth & successful application!

Maree L.
27 Mar 2025

Lowest interest rates and easy service

Returning to loans.com.au for lowest interest rates and easy service.

Kylie H.
14 Mar 2025

Smooth and fast process

Friendly customer service. Smooth and fast process without any hassle. Had the loan settled within 2 days of providing necessary documents. A big thank you to Cherie and Rena for their kind and prompt assistance

Surani F.
14 Mar 2025

Great service

Great people and great service. Went smoothly and swiftly

Danny K.
02 Mar 2025

Excellent Service & Fast Process!

I had a fantastic experience with Loans.com.au. Their advisors were friendly, clear, and ensured my application was in top shape before submission, maximizing the chances of approval. I was thrilled that the entire process was completed in just one day, with settlement happening the very next day! Special thanks to Aichi and Liam for their outstanding support. Highly recommend!

Sai P.
03 Feb 2025

Excellent communication

Excellent communication that was timely and thoughtful. Thank you to Sharon for her help through this process.

Bek D.
27 Jan 2025

It's fast & easy to get a loan with loans.com.au

1

Apply online

Simply fill out your loan 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

Speak to a specialist

You will then have a phone appointment with one of our lending specialists to finalise your application, and help you progress through the loan approval process through to settlement as quickly as possible.

3

Upload documents (OnTrack)

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.

4

Settle

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

Need to know more? Here's the whole offer

Rates
Interest only Interest Rate: Comparison Rate: Max LVR:
Bridging Loan 7.75% p.a.*^ 6.31% p.a.* 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

IO

Bridging Loan Interest Rate: 7.75% p.a.*^
Comp Rate: 6.31% p.a.*
Max LVR: 80%
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
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

Download the Key Facts Sheet

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

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. 

Looking for flexibility to buy now and sell later?

Find out if a Bridging Loan could be right for you.

TAP to chat!