Bridging loan
Looking to buy your next home before selling? Bridging finance is the solution. Our expert Buyvest mortgage brokers help you access bridging finance to purchase your dream property immediately whilst your current home sells at the best price.
Bridging finance solves the timing problem in property transactions. Instead of making conditional offers, bridging finance lets you purchase immediately whilst your current home sells. Our expert Buyvest mortgage brokers structure bridging finance to maximise your position and minimise costs.
Looking for bridging finance to buy your next home?
Get your free bridge finance assessment from Buyvest mortgage brokers. Buy now with a bridging loan, sell later without pressure. Expert guidance throughout your property move.
Free Bridge Finance AssessmentWhy choose Buyvest mortgage brokers for bridging finance?
35+ lenders to compare
Banks represent only themselves. Buyvest mortgage brokers represent you, comparing bridging finance rates and terms across all major lenders.
No cost to you
Lenders pay our commission directly. You pay the same bridging finance rate whether you go directly or through Buyvest mortgage brokers - but with expert guidance included.
Time & money savings
We navigate complex bridging finance paperwork, coordinate valuations, and manage lender communications. We often save clients thousands in bridging finance rates and fees.
Specialised bridging strategies
We structure your bridging finance to match your unique buying situation. Whether it's timing, lender requirements, or property specifics, Buyvest mortgage brokers find tailored solutions.
Different lenders for better valuations
We access lenders that recognise the full value of your existing property, maximising your bridging finance borrowing power.
Ongoing support
We don't disappear after settlement. Buyvest mortgage brokers are available for rate reviews, refinancing, and future upgrade opportunities.
How Buyvest mortgage brokers help with bridging finance
Move on your timeline
Don't miss the perfect property. Bridge finance lets you buy when ready, not when forced to, giving you full timing control.
Unconditional offers
With bridge finance pre-approved, make unconditional offers without "subject to sale" conditions. Sellers strongly prefer certainty with bridge finance.
Sell without pressure
Market your home properly and negotiate the best price with bridge finance covering the gap. No need for rushed sales.
Reliable delivery
Expert guidance throughout your bridge finance process ensures smooth delivery from assessment to settlement and payoff.
Avoid financial stress
No overlapping mortgages for extended periods. Once your home sells, bridge finance is paid off immediately from sale proceeds.
Expert bridge finance guidance
Buyvest mortgage brokers structure bridge finance to minimise costs, manage serviceability, and protect your financial position.
Common bridge finance scenarios Buyvest mortgage brokers support
Buy before you sell
Scenario: Found dream home, current property hasn't sold
Bridge solution: Bridge finance lets you settle immediately
Outcome: Own new home whilst old one sells at best price
Upgrade with bridge
Scenario: Upgrading to larger home, timing doesn't align
Bridge finance use: Bridge to new property, sell current home within 6-8 months
Benefit: Move on your timeline with bridge finance
Downsize with bridge
Scenario: Downsizing to investment or smaller home
Bridge finance use: Bridge the gap between purchase and sale
Advantage: No pressure to sell old property quickly using bridge finance
Investment portfolio growth
Scenario: Investment equity available, home hasn't sold
Bridge finance use: Access equity immediately to purchase second investment
Benefit: Accelerate growth with bridge finance
Bridge finance vs subject to sale: which is right for you?
Bridge finance advantage
Offer strength: Unconditional with bridge finance
Negotiating power: Strong position to negotiate better prices
Cost: $6,000-12,000 bridge finance
Risk: You carry risk if sale falls through
Control: Full flexibility with bridge finance on when to sell
Best for: Competitive markets where bridge finance gives advantage
Subject to sale approach
Offer strength: Conditional, sellers less confident
Negotiating power: Limited without bridge finance
Cost: Usually no bridge finance cost
Risk: Seller carries risk
Control: Timeline tied to selling current home
Best for: Relaxed markets with time to sell
Understanding bridging finance costs
Bridge interest rates
Typical range: 1-3% higher than standard rates due to bridge finance's short-term nature
Duration: Interest charged only during your bridge period, typically 3-12 months
Example: $100,000 bridge at 8% for 6 months = approximately $4,000 in interest costs
Bridge finance fees
Establishment fee: 0.5-1% of bridge amount ($500-1,000)
Valuation: $200-500 (sometimes waived)
Discharge fee: $250-500
Total bridge finance cost: $6,000-12,000 average
Is bridging finance worth the cost?
Compare the $6,000-12,000 bridge finance cost to the value gained: securing your dream home, avoiding rushed sales, negotiating from strength, and moving on your timeline. For most property buyers, bridge finance costs are minimal compared to financial and emotional benefits.
Ideal for bridge finance
Use bridge finance when you've found your dream home but current property hasn't sold. Perfect for competitive markets where bridge finance gives maximum bidding power. Ideal when equity is available but not liquid. Consider bridge finance when your current home takes longer to sell than expected. Also ideal with brief settlement windows.
When bridge finance may not suit
Avoid bridge finance if uncertain your current home will sell within the timeframe. Skip this option if carrying two mortgages affects your serviceability. Not ideal if current equity is under 20%. Don't use bridge finance in buyer's markets where you have plenty of time. Avoid if you're overpaying and can't cover shortfalls.
Types of home loans from Buyvest mortgage brokers
First home buyer loans
Getting your foot on the property ladder? Our first home buyer specialists help navigate lending requirements, find the best rates, and access first-time buyer incentives.
Next home purchase loans
Ready to upgrade or move? Leverage your existing equity and established home loan history to access better rates. Buyvest mortgage brokers maximise borrowing power for your next property.
Investment property loans
Getting a mortgage for investment property? Our investment specialists help access the best rates and terms for investment purchases.
Home loan refinancing
Refinancing your home loan? Sydney homeowners trust Buyvest mortgage brokers to find the best rates. Get expert guidance throughout the refinancing process.
Construction home loans
Building a new home? Our specialists offer construction loans to fund your build project with flexible payment options.
Interest-only mortgages
Flexible mortgage options including interest-only loans. Perfect for investors or those needing cash flow flexibility during key life stages.
Bridging finance calculators
Use our free tools to analyse borrowing capacity, understand bridge finance costs, and plan your property move
How bridging finance works: step-by-step process
Buyvest mortgage brokers assess your equity and borrowing capacity based on your current property value and existing mortgage.
Submit your bridge finance application with property details. Your lender approves the bridge amount and terms within days.
Bridge finance funds settle, allowing you to purchase your new property immediately without waiting.
Sell your current home and bridge finance is paid off from sale proceeds. Minimal interest is charged during your bridge period.
Documents needed for bridging finance application
Have these ready to streamline your bridge finance approval and get pre-approved faster through Buyvest mortgage brokers.
Personal ID
Australian passport or driver's license with photo, full name, DOB, and current address. Plus citizenship certificate or birth certificate.
Proof of income
Two recent payslips from current employer, or 2 years' tax returns if self-employed. For contract/casual work, employment letters plus Pay As You Go (PAYG) summary.
Financial statements
Latest bank statements (3 months), savings account statements, and internet banking history showing your current financial position.
Existing debt information
Statements for all home loans, car loans, credit cards, and personal loans to calculate your full debt servicing capacity.
Rates & insurance
Council rates notice and building insurance documents to verify your property ownership and insurance coverage.
Business documents (self-employed)
ABN details, 2 years' company tax returns, profit & loss statement, personal tax return, notice of assessment, and Business Activity Statements.
Bridging finance across Sydney and Australia
Buyvest mortgage brokers help homeowners access bridge finance solutions across Sydney and Australia. Whether you need fast-track bridging loans or expert guidance on property transitions, our team supports your move with bridge finance expertise.
Ryde area suburbs
Greater Sydney regions
Regional NSW
Australia wide
Need bridge finance for your property move? Contact Buyvest mortgage brokers to explore bridge finance solutions nationwide and how we can help you move on your timeline.
Ready to access bridging finance for your next property move?
Our expert Buyvest mortgage brokers are ready to help you secure bridge finance and guide you through every step of your property purchase.
Free Bridge Finance Assessment