Buy your next home before you've sold the one you're in.

It's a short-term loan that lets you settle on your next property before your current one sells, so the loan effectively bridges the gap between the two settlement dates.

It's structured around a temporary, higher combined loan balance that reduces once your existing home sells, rather than a standard ongoing loan term.

Bridging finance is really built for people who already own a home and are moving to another. First home buyers generally don't need it, but we're always happy to talk through your specific situation.

Not with a bridging structure in place. That's the whole point, it lets you buy first and sell on a more comfortable timeline.

This is exactly why the structure and timeframe need to be right from the start. We'll talk through realistic selling timeframes for your property before recommending a lender or structure.

Yes. It takes the right documentation and the right lender, which is exactly the kind of matching we handle for self-employed clients every day.

It can be, depending on your equity position and the lender. We'll work through whether it makes sense for your investment strategy specifically.

Some lenders do offer bridging structures for commercial purchases, though the criteria differ from residential. Worth a conversation to see what's available.

SMSF lending has its own rules and restrictions, and bridging within an SMSF structure isn't straightforward. Speak with us directly so we can look at your fund's specific position.

This depends on your current loan balance, your home's value, and the lender's policy. We'll calculate your available equity as part of the initial conversation.

It helps to know roughly what you're looking at, but we can start the conversation and pre-assessment before you've found the exact property.

Yes, this is one of the more common scenarios we work through, bridging alongside a construction loan structure while your existing home is on the market.

Generally your income documentation, details of your existing property and loan, and information on the property you're purchasing. We'll give you a clear checklist once we understand your situation.

It varies by lender and by how long your existing property is expected to take to sell. We'll set realistic expectations with you upfront, not just borrow the maximum window available.

Absolutely. We work with clients across Australia, most of our meetings happen online with full screen sharing, so location has never been a barrier for us.