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What Happens After You Enquire?

1) Initial Assessment

We review the property, LVR, timeframe and exit strategy.

2) Indicative Structure

If suitable, we outline potential structure, documentation requirements and indicative timeframes.

3) Valuation and Documentation

We coordinate valuation (if required) and collect supporting documentation.

4) Approval and Settlement

Where appropriate, bridging loans may settle in as little as 3–7 business days (subject to valuation and documentation).

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Who We Commonly Assist

We regularly assist:

• Owner-occupiers upgrading homes

• Property investors

• Developers

• Self-employed borrowers

• Borrowers declined by traditional lenders

We operate Australia-wide, including Sydney, Melbourne, Brisbane, Perth and Adelaide.

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Frequently Asked Questions

How quickly will you respond to my enquiry?

Most enquiries receive a response within the same business day during business hours. If your scenario is time-sensitive, note this in your enquiry.

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What information do you need to assess a bridging loan?

We typically require:

• Property details and location

• Estimated value

• Existing loan balance

• Loan amount required

• Settlement timeframe

• Exit strategy

Providing accurate information allows for faster assessment.

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What is the maximum LVR?

Bridging loans are typically structured up to 75% loan-to-value ratio, depending on property type, location and exit clarity. Each scenario is assessed individually.

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How fast can a bridging loan settle?

Subject to valuation and documentation, settlement may occur within 3–7 business days.

Timeframes vary depending on complexity and documentation readiness.

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Do I need full income verification?

Not always. Bridging finance is generally structured with strong emphasis on asset strength and exit strategy rather than long-term servicing models.

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What exit strategies are acceptable?

Common exit strategies include:

• Sale of property

• Refinance to major bank or non-bank lender

• Development completion refinance

A clear and realistic exit pathway must be defined.

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What happens if my property does not sell in time?

If the sale timeline extends beyond expectations, options may include refinance or reassessment of equity position. Contingency planning is important in short-term finance.

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Are bridging loans suitable for auction purchases?

Yes.

Bridging loans are commonly used for auction purchases requiring short settlement timeframes.

Can self-employed borrowers apply?

Yes. Self-employed borrowers frequently use bridging finance where equity position and exit strategy are strong.

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Can I apply if I’ve been declined by a traditional lender?

Possibly. Bridging finance focuses primarily on property security and exit clarity. Asset-backed scenarios may still be suitable.

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Are bridging loans regulated?

Consumer-purpose bridging loans may fall under NCCP regulations. Business-purpose or investment-purpose lending may be structured differently depending on loan purpose.

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What types of properties qualify?

Bridging loans may be secured against:

• Residential property

• Investment property

• Commercial property

• Development property (subject to structure)

Location and liquidity are important considerations.

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Can interest be capitalised?

In many scenarios, interest may be capitalised into the loan balance, subject to structure and risk review.

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Are bridging loans long-term solutions?

No. Bridging finance is short-term transitional capital, typically structured for 3–12 months.

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Ready to Get Started?

Submit your enquiry and we will assess your bridging loan scenario and outline the next steps.