Bridging loan

If you’d like to buy a new property before you sell your existing one, Bridging Finance could provide the funds you need to secure your new home. This loan is designed for customers who have sold their existing property (but not yet settled) and require finance for the deposit on a new property.


  • Search for a new home with confidence, even if you haven’t settled on your existing property
  • Choose between principal and interest, or interest-only repayments
  • Use the proceeds from the sale of your home to reduce the balance on your bridging loan following settlement
  • Make unlimited lump sum payments, depending on the terms of your finance (restrictions often apply to Fixed Rate home loans).


  • Many of these loans do not have the same features or flexibility as other variable loans
  • Generally dont have an offset account
  • The greatest risk is that your property will not sell within the bridging period which may see an increase in the interest rate charged.
  • Taking a secondary debt on top of an existing mortgage means that you will have an additional interest rate cost.
  • Occasionally you may have overestimated the likely sale price of your existing property, and therefore fall short of the amount required to pay out the bridging loan.

Complimentary obligation free consultation

Discuss your specific needs & figure out the best financing route for you. Get in touch to organise your complimentary 60 min session today!

What’s involved in obtaining a loan through Intuitive Finance?

Process begins

Step 1

1 hour initial meet to establish financial and lifestyle goals, discuss fact find document and agree timeline for return of such

Step 2

Submission of fact find

Step 3

Within 5 days of completion of fact find – written strategy submitted to you

Step 4

Within 2 days of agreement to proceed – documents lodged with Institution

Step 5

Within 1 to 3 days of lodgement expect conditional approval

Step 6

Within 2 to 4 days after conditional approval expect unconditional (full) approval

Step 7

Within 2 to 5 days after unconditional approval, expect loan documents to arrive

Step 8

Within 3 to 5 days of signed Loan Documents submitted, expect Loan settlement
Process ends
Total process generally takes between 4 and 8 weeks

Property Buying Tips And Handy Hints To Successfully Manage Your Finances

Download this handy guide that the team at Intuitive Finance has put together for you.

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