Bridging loans provide a short-term financing solution that allows you to purchase a new property before selling your existing one. At Intuitive Finance, we offer expert guidance to help you navigate the complexities of bridging loans, ensuring you secure the best option for your financial needs.

What are Bridging Loans?
A bridging loan is a short-term loan that helps you finance the purchase of a new property while you wait for your existing property to sell. This type of loan covers the gap between buying your new home and selling your old one, ensuring a smooth transition without the need for immediate sale. Bridging loans provide the necessary funds to secure your new property, offering peace of mind and financial flexibility during the process.
Types of Bridging Loans
Closed Bridging Loans
A closed bridging loan is available to borrowers who have already exchanged contracts on the sale of their existing property but have not yet completed the sale. This type of loan has a fixed end date, providing certainty about when the loan will be repaid.
ADVANTAGES
- Flexibility: Allows you to buy a new property before selling your current one.
- Short-Term Solution: Provides temporary financing to bridge the gap between transactions.
- Peace of Mind: Ensures a smooth transition without the pressure of immediate sale.
Open Bridging Loans
An open bridging loan is suitable for borrowers who have found a new property but have not yet sold their existing one. This type of loan does not have a fixed end date, offering more flexibility but typically comes with higher interest rates due to the increased risk.
DISADVANTAGES
- Higher Interest Rates: Typically comes with higher interest rates compared to standard home loans.
- Increased Risk: Financial risk if your existing property takes longer to sell than expected.
- Additional Costs: May include additional fees and charges.
What’s Involved in Obtaining a Commercial Loan Through Intuitive Finance?
Initial Meeting
A 1-hour session to establish your financial and lifestyle goals, discuss the fact-finding document, and agree on a timeline for its return.
Fact Finding Submission
We will submit the completed fact-finding document.
Strategy Submission
Within 5 days of receiving the completed fact-finding, a written strategy is submitted to you.
Document Lodgement
Within 2 days of agreeing to proceed, documents are lodged with the institution.
Conditional Approval
Expect conditional approval within 1 to 3 days of lodgement.
Unconditional Approval
Expect unconditional (full) approval within 2 to 4 days after conditional approval.
Loan Documents Arrival
Expect loan documents to arrive within 2 to 5 days after unconditional approval.
Loan Settlement
Expect loan settlement within 3 to 5 days after submitting the signed loan documents.
Complimentary Obligation-Free Consultation
Discuss your specific needs and discover the best financing options for you. Get in touch to
organise your complimentary 60-minute session today!
Property Buyer Loan Calculators
Real Feedback from Real Clients
Buying property is one of the most stressful things you’ll ever do, and I was dreading it!
However Natasha, Melissa, Clarise, Andrew and Bonnie were all amazing at helping me through the application for finance. They all provided exceptional care, a wealth of knowledge and always got back to me promptly with answers to all my questions 😄
The whole team had a great ability to put me at ease throughout the whole process! I can’t thank you all enough and I’m so happy in my new home!
I would wholeheartedly recommend the Intuitive finance team 100% as the finance brokers for anyone needing help with financing!
Thanks again so much, you’ve helped me get to the place I wanted to be!
We had a complex situation with multiple properties, and Craig took the time to understand our needs and worked tirelessly to secure the best possible deals. We refinanced three of our properties, and the process was seamless thanks to Craig's guidance.
Their communication was outstanding, keeping us informed every step of the way. What really stood out was their willingness to go above and beyond to ensure our financial goals were met. Their professionalism, knowledge, and passion for their work are a rare find in the finance industry.
We can't recommend Craig and the team at Intuitive Finance highly enough. If you're looking for a finance broker who will truly look after your interests, look no further.
Thanks Michael & Alana
What sets them apart is their exceptional communication, organization, experience, and teamwork. They operate like a well-oiled machine, ensuring everything runs smoothly and efficiently. Despite being based in Perth, working with Lachlan and Craig in Melbourne was seamless. These two are absolute standouts—always available, quick to return calls, hardworking, and incredibly fast.
I also had the pleasure of working with Melissa and Clarise, who were equally lovely and professional. The entire team made the process stress-free and straightforward, something I’ve rarely encountered in this space.
I’ve already recommended Intuitive Finance to my family and friends because I know they’ll be in safe hands. If you’re looking for a broker that goes above and beyond, look no further. Highly rated and highly recommended!
A special thanks to Lachlan who was simply fantastic to deal with across a two year period and to Craig who made the final processes seamless.
Our Commitment to the Community
With every loan we settle, you can choose to support Challenge – supporting
kids with cancer, the Movember Foundation, or the Lungitude Foundation.
We donate $20 to your chosen charity and make annual contributions. It’s our
way of giving back and helping those in need.