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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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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

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

Variable Home Loan
Borrow up to 90% LVR at a discounted rate***
Get a loans.com.au competitive rate you'll be celebrating for years!
Interest rate
5.29 %   p.a.
5.33% p.a.
Estimated repayments#
$285 per month
Loan amount
$50,000
Interest charged
$52,654
Do I Qualify?
See loan details
Calculator assumptions

Looking for flexibility to buy now and sell later?

Arrange a call

Real-life customer stories

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Slide 1

Hamish

Meet Hamish, a customer of ours in his twenties who entered the property market by “rent-vesting”.

  • I started working an office job part time when I started uni.

  • I saved for the next 7 years while keeping an eye on property prices that seemed to just keep going up.

  • Living in Sydney, I recognised that I'd probably need to rent-vest to afford my first property so I started looking towards regions in the greater Sydney area.

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Slide 1

David

Meet David, a wonderful customer of ours who came to us when it was time to purchase his first home.

  • I was sick of throwing my money away paying rent to someone else so I started looking for a home of my own.

  • I looked at a couple places and then my girlfriend just said: “Oh, why don't you try loans.com.au". It turned out that you guys had the best credit policies out of anyone and you actually had a pretty good interest rate too.

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Slide 1

Peta

Meet Peta, an awesome customer of ours who came to us when she wanted to refinance an investment property held by her Self-Managed Super Fund (SMSF)

  • I run my own conveyancing business in Sydney called the Property Xchange and my husband also works in real estate. We are experienced property investors.

  • The team was very, very good. Even the loan approval process and the communication were great the whole way through and I felt like it ran very smoothly. Looking back, refinancing was a big saving for us.

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What other customers are saying

Absolutely brilliant, professional and very informative

“What a joy to deal with Liam and Emira from Loans.com. I started applying for my car loan last Thursday and by Tuesday afternoon the car dealer was paid. Liam and Emira were absolutely brilliant, professional and very informative. My mortgage comes off fixed next June and I know where I will be moving to. Thank you for everything.„

Carolyn G.
19 Jun 2025

The loan process was really easy and quick

“The loan process was really easy and quick. Staff is really friendly and keep you updated. Highly recommended.„

Vishal K.
18 Jun 2025

The fastest and easiest process I have ever had in regards to any finance

“The fastest and easiest process I have ever had in regards to any finance. From first chat to settlement in 24 hours and constant communication the entire way! Trina is first class! Emira was SENSATIONAL! BEYOND RECOMMEND!„

Brian S.
17 Jun 2025

The team was absolutely amazing to deal with

“I have dealt with Jessica on a recent new home loan application and Jessica and the team was absolutely amazing to deal with. Super quick and kept with in the loop throughout the process. Second to none customer services!„

Simon L.
16 Jun 2025

I could not have asked for a better service

“The service and follow up provided by the loans.com.au team was impeccable. I could not have asked for a better service.„

Caraman C.
13 Jun 2025

I was very impressed with loans.com.au

“I was very impressed with loans.com.au pragmatic credit policies and the excellent service I received from Emira and Trina in applying for and settling my car loan. They also have 2 very user friendly apps to help with the process. Very easy to deal with, I would definitely recommend them to anybody wanting a stress free and smooth experience.„

Joe F.
12 Jun 2025

They have exceptional customer service!

“I was referred to loans.com.au and now I see why, they have exceptional customer service! I feel so fortunate to have had Rena and Trina handle my application. They were both incredibly friendly, kind, and efficient when it came to processing and approving my application. They genuinely care about helping others and made the entire process smooth and enjoyable.„

Rojina R.
12 Jun 2025

Had good experience

“Had good experience with Jasmine and Tiffany who supported me along the way from getting a pre-approval quickly, through the purchase and to the settlement. Not to mention competitive rates and borrowing power they provide.„

Gleb L.
11 Jun 2025

I am tremendously satisfied

“I am tremendously satisfied with Sonia and Harriet’s assistance with my loan applications. Loans.com was recommended by a family friend and Sonia portrayed immense knowledge and professionalism when working with me to get the best financial outcome. Sonia has exceptional expertise in her subject matter and was incredibly responsive, and together the team made sure I was able to meet my deadline without any stress. Fantastic experience – will highly recommend Sonia and her team at Loans.com!„

Ridhima G.
10 Jun 2025

Had a great experience with loans.com.au

“Had a great experience with loans.com.au. Was the best rate/lowest fees I could find and the service was faultless. I won't be going anywhere else for vehicle financing in the future.„

John M.
10 Jun 2025

If I could give 6 stars in this review I would

“In all my dealings with loans over the years, Stuart is hands down one of the best I’ve ever come across. His professionalism, responsiveness, and genuine willingness to help sets a new standard. I would absolutely recommend loans.com.au—and especially Stuart—to anyone looking for a hassle-free and professional mortgage experience. If I could give 6 stars in this review I would.„

Beau B.
10 Jun 2025

I love to deal with them directly

“I am with Loans.com.au since 2014 and I have got multiple loans from new purchases and refinance of IP to OO loans. They have been exceeding my expectation every time. I love to deal with them directly and their lending specialist and support staff are second to none compared to other banks including the big 4. Highly recommend!„

Shiva S.
07 Jun 2025

Our Google rating

4.5 561 reviews

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

Repayment Type

Maximum LVR of 80%

Product Interest rate from Comparison rate
Bridging Loan 7.50% p.a.*^ 5.83% 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

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. 

Customer Picture

Sarah

Lending Specialist

Real humans based in Brisbane, Australia

As an experienced lending specialist, Sarah and our team can answer all your questions to get you on track.

Let's talk

Looking for flexibility to buy now and sell later?

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

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