Buying before you sell is possible, but only if the numbers stack up. This calculator gives you a clear estimate of how a bridging loan could work based on your current property, expected sale price, and planned purchase.
It shows the relationship between equity, short-term interest, and timing so you can assess feasibility early. From there, we help structure the loan properly, minimise interest exposure, and align the move with confidence.
Estimate your loan position with our helpful Bridging Servicability Calculator
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| Peak Debt | – |
|---|---|
| Interest Cost | – |
| Risk Fee | – |
| Net Sale Proceeds | – |
| End Debt Position | – |
Have questions about buy-before-sell finance, eligibility, or structure? Speak with a specialist who deals with bridging loans every day.
For Illustrative Purposes Only: The figures provided by this calculator are estimates only and based on the information you have provided. They do not constitute a quote, pre-qualification, or an offer of finance. This tool is intended for entertainment and educational purposes to provide a general indication of potential outcomes.
Not Financial Advice: This calculator does not take into account your full financial situation, objectives, or needs. You should consider obtaining advice from a qualified financial adviser or mortgage broker before making any financial decisions.
Assumptions: Calculations assume that the interest rate remains constant for the selected period, though actual rates may vary. “Purchase Costs” and “Risk Fees” are estimates and may differ based on specific lender policies and government regulations (e.g., Stamp Duty variations).
Lender Criteria: All loan applications are subject to the lender’s credit approval criteria. Fees, charges, and interest rates are subject to change without notice.
Find clear answers to the most common questions about bridging finance. From understanding peak debt and capitalised interest to calculating your end debt position, we make the complex simple.
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This is often the most surprising figure! Peak Debt represents the total amount of money the lender covers for you during the bridging period. It combines:
The purchase price of your new home.
Your existing mortgage balance (if any).
Buying costs (like Stamp Duty and legal fees).
Generally, no. One of the main benefits of a bridging loan is that the interest is usually “capitalised”.
This means the lender adds the interest bill to your loan balance (the Peak Debt) rather than asking you to pay it from your weekly wages. This helps free up your cash flow while you are in the process of moving.
A Risk Fee is a one-off charge that some lenders apply if your Loan to Value Ratio (LVR) is high—typically if you are borrowing more than 80% of the combined value of both properties.
We have included a toggle for 0.79% as a conservative estimate, but not all lenders charge this fee. If you have significant equity in your current home, you may not have to pay this at all.
This is the estimated mortgage balance you will be left with after your old home has been sold and the proceeds have paid down the Peak Debt.
You should include the government costs and professional fees associated with buying the new property.
This calculator provides a helpful guide based on standard industry formulas, but every lender has different policies regarding valuation, interest rates, and fees.
For a quote tailored to your specific income and property goals, please book a free strategy call with our team. We can compare policies from multiple lenders to find the most cost-effective solution for you.
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Disclaimer: Your complete financial situation will need to be assessed before any finance or credit product is approved.
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