Frequently Asked Questions

Not necessarily! If you're downsizing, and won't have any end-debt, no income is required at all. It comes down to the exit strategy, which we will help tailor for you.

Yes, you absolutely can. This is one of the most valuable ways to use bridging finance because it allows you to stay in your current home while your new one is being built—saving you the hassle and cost of renting for a year.

To make this work, lenders typically require a Fixed Price Building Contract. The loan is structured to cover the land purchase and the construction "progress payments." Since build times can vary, we usually negotiate a longer bridging period (e.g., 12 months) to ensure you aren't pressured to sell your old home until the new one is ready.

Bridging loans are short-term by design. Most run for 6–12 months, depending on the lender and whether you’re buying an existing home or building.

Some lenders can offer shorter terms (from as little as 1 month), while others may allow longer periods of up to 24 months in specific circumstances. That said, the aim is always to keep the bridging period as short as possible to minimise interest and risk.

Not in the way most people imagine. During the bridging period, your total lending is combined into a single peak debt, and interest is usually capitalised (added to the loan) rather than paid as full double repayments. The structure and lender choice determine how this feels day-to-day — that’s where a specialist makes a big difference.

Interest is charged on your peak debt (your existing loan + new purchase + costs) for the time you’re “bridging” between properties. Once your current home sells and the proceeds are applied, the bridging portion is paid down and you revert to a normal home loan on the end debt. Structuring the timing and sale strategy correctly is what helps reduce the interest period.

If your property hasn’t sold by the end of the agreed bridging term, your lender may:

• Extend the term (if your situation still fits their policy), or
• Ask you to reduce the debt (for example, with savings or other assets), or
• Review the loan and options with you.

We work with you before you start to set realistic timeframes and have a plan B, so you’re not caught off guard.

Yes — most people using bridging finance already have an existing mortgage on their current home. Lenders will look at your equity, your income, and how the numbers work once your current property is sold. We model this for you so you can see exactly what your end debt will look like.

Bridging loans are commonly used for:

• Owner-occupied homes (upsizing, downsizing, relocating)
• Investment properties (buying or rearranging your portfolio)

Each lender has its own rules around rural, high-rise, off-the-plan or specialised properties, so we match your situation to the right lending policy.

We start with a quick strategy call to understand your goals, timing, and numbers. From there, we:

1. Assess your equity and borrowing position
2. Compare options across suitable lenders
3. Build a bridging structure around your move plan
4. Handle the application, approvals, and lender conversations for you

You get a clear plan instead of trying to piece it all together on your own.

We focus on structure first, rate second. By choosing the right lender, timing the sale carefully, and minimising your bridging period, we help cut:

• Unnecessary interest
• Overlap between properties
• Costs of moving twice, renting, or storage

In many cases, the saved interest and avoided double-move costs more than outweigh the cost of the loan itself.