Bridging Loans in Australia

Our 5-Star Google & Facebook Ratings reflect clients’ satisfaction, positioning us among Melbourne’s most trusted mortgage brokers!

Key Features That Distinguish VOXFIN’s Bridging Finance

Fast Approvals

We get approvals in 24-48 hours.
We work with 40+ specialist lenders who understand time-sensitive property purchases.

Buy Before You Sell

Don’t wait for your home to sell and miss your dream property.

Gain flexibility to secure your next home with confidence.

Flexible Terms from 1-12 Months

Get short-term finance tailored to your timeline.

Repay after your property sells.

Borrow More Up to 80%

Access the equity in your current property to fund your next purchase.

Our competitive rates help you maximise your borrowing capacity.

Strong Lender Network Nationwide

Get access to 40+ bank and non-bank specialist lenders all over Australia.

We connect you with Australia's top bridging finance specialists.

$0 Upfront Fees

We not charge fees upfront.

We are paid only when your loan settles.

VOXFIN has been the expert hand behind dream homes of hundreds of Australian families - without the stress of perfect timing. Our 5-star rating from the clients is especially for making bridging finance simple. We promise faster approvals and provide clear guidance throughout the entire process. Specialist bridging loan lenders and 10+ years of experience help us deliver results when it matters most.

Are you considering a bridging loan?

We recommend you first understand what works best for a smooth transition in your case - whether to buy or sell first. If you are planning to purchase a new property before selling your current home, we are here to help you secure a bridging loan.

Here is when VOXFIN steps in with the expertise. Given the complexity of the changeover, our bridging loan specialists simplify the whole process. 

With the top-rated bridging finance solutions across Australia, VOXFIN has been bridging the gap between current home sales and next property purchases for Australian property owners. 

Hundreds of property owners have chosen us as their home loan mortgage broker in Australia.

When are you booking a free consultation call with a VOXFIN broker near you?

Benefits of a bridging loan

A bridging loan requires an extensive analysis as selling and purchasing times rarely align. The concerned property’s market value can vary, as the market conditions at the point of selling and purchasing can impact the net equity.

Interest rates for bridging loans typically range between 6-12% PA, depending on your equity position and lender. While higher than standard home loans, the short-term nature (usually 6-12 months) means the overall cost is manageable when compared to the opportunity cost of losing your perfect property or selling under pressure.

A bridging loan –

Allows you extra time so you can sell your property comfortably.

Enables you to capitalise your interest while you are waiting to sell your property.

Lets you purchase your dream home without having to sell your current one first.

Eliminates the stress of temporary accommodation or storage costs.

Gives you negotiating power as a cash buyer, often securing you better purchase prices.

Provides access to auction purchases that require unconditional offers.

Ready to explore your options?

Bridging Loan Eligibility

What Determines Your Eligibility for a Bridging Loan in Australia

Your home equity

When deciding how much they may offer you, lenders will look at the equity in your existing house. The maximum amount you can borrow and your eligibility for a short-term bridging loan are both influenced by the equity in your current residence.

Serviceability of your loan

When assessing your borrowing capacity, lenders will evaluate your ability to manage the loan responsibly by considering your income, expenses, and existing debts.

With or without End Debt

When requesting bridging financing, the majority of lenders want an End Debt. Nevertheless, the costs for your bridging loan can be larger if there won't be an End Debt, such when you're selling your house.

Maximum End Debt

Your new property’s worth cannot be greater than your existing debt. You can be required to pay Lender’s Mortgage Insurance (LMI) if your End Debt exceeds 80% of the value of your new home.

Sale contract for existing property

As a requirement for approval, lenders could ask for proof that your present property has been sold, such as a copy of the sale contract.A bridging loan requires careful consideration, as selling and purchasing timelines rarely align. The fluctuating market conditions determine property values, impacting your available equity. However, bridging finance offers a strategic advantage for those property buyers seeking flexibility and speed.

For Bridging Loan, you are choosing VOXFIN for

Bridging finance has become a popular option across Melbourne, Sydney, and major Australian cities. With median property settlement periods extending to 60-90 days and buyer demand growing stronger, more Australians are turning to bridging loans, so they do not miss out on their ideal property.

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