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What Is A Bridging Loan?

A bridging loan allows you to purchase a new home before you sell your existing property. The particular features of bridging loans will vary between lenders but this temporary arrangement essentially allows you to borrow the amount outstanding on your existing home loan plus the funds needed to purchase your new home.


  • Buy your next home without having to sell your existing property first.
  • During the bridging period, you only make repayments on your current mortgage.
  • It gives you time to possibly get a better price on your property.
  • Can help avoid you having to line up settlement dates.
  • Avoid renting and moving twice.
  • Reduce the overall stress and give you flexibility.



  • You will be charged interest on the full amount of your new loan.
  • If you don’t sell within the agreed time frame, you may have to start making Principal and Interest repayments on the whole debt.
  • If you sell your home for less than you expected, this may leave you with a higher home loan balance than planned.
  • Interest is compounded monthly: the longer it takes to sell your property, the more your loan will accrue interest.


Buying before selling and obtaining bridging finance has its risks, so it’s important you weigh up your options. To discuss options available to you, contact us today.