Bridging Finance 

This can simplify the transition between properties. If your home is for sale - and you find a property to buy, or wish to build - the lender advances the money so you can purchase your new home.

Depending on the equity in your current home, you may be able to include all the fees too. The interest charged to your loan can be paid by you or capitalised (added to the loan amount).

When your original property is sold, the proceeds are deposited to the new loan. The amount owing becomes your end loan and normal repayments commence.


  • You can buy or build your new home before you sell your existing home.
  • You can avoid moving into a rental property and move directly into your new home.


  • Interest is charged on the full amount of the new loan.
  • If you don't sell your existing home quickly, the interest bill can really add up.
  • It may force you into selling your existing home at a price lower than you want to.
  • You must have sufficient equity in your existing property to support the purchase of both.

    The Next Step

    Now that you have a better understanding of the process of bridging finance including the advantages and disadvantages, the next step is to consider which type of home loan is right for you We have provided links to the common type of home loans for your consideration.
    Basic Home Loan
    Professional Home Loan Package ( best suited to loans over $250,000)
    Line of Credit
    Standard Variable Rate Home Loan
    Fixed Rate Home Loan
    Split Rate Home Loan
    Like to know more about the home loan process then review our Guide to Home Loans.

    If you would like to discuss the Professional Home Loan Package  or any other loan products please call us or complete the form below and we will contact you.

    Office Contact Details

    Phone: 02 - 4272 8250

    Fax:       02- 4271-8567

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    To help us help you we have developed an online application form that collects all the necessary information we need  to assess your situation. Please take the time to complete online, its secure and easy to complete. We will receive a confirmation through our system and will contact you to discuss your situation in more detail. It only takes a few minutes to complete. Just simply click the apply online button.
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David Carruthers is a credit representative (Credit Representative Number [400226]) of BLSSA Pty Ltd (Australian Credit Licence No. 391237).