Bridging finance

Bridging finance, when the timing won't wait

Short-term funding secured against property — used to settle before you sell, secure a site under competition, or hold a position while longer-term finance is put in place. Placed with private lenders who work to your settlement date, not a credit committee's calendar.

I'm looking for
$1,500,000
$100K$10M+

No obligation. No impact on your credit. Your details stay private.

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When bridging is the right call

  • You've committed to a purchase before the existing property has sold
  • A site or opportunity needs to be secured quickly and the bank can't move in time
  • A refinance or longer-term facility is coming, but there's a gap to cover now
  • A development is between stages and needs cover until the next drawdown
  • An unexpected settlement shortfall needs solving in days rather than weeks

What we'll ask you for

  • The property or properties being offered as security, and any existing debt against them
  • How much you need and the date you need it by
  • The exit — a sale, a refinance, or a specific event that repays the facility
  • Rough valuation figures if you have them, or we'll work from recent comparable sales

Bridging is short-term by design, so the exit matters more than anything else. If it's clear and credible, the rest usually follows.

Common questions

How quickly can bridging finance settle?

Private lenders can move considerably faster than banks — often in days rather than weeks — but it depends on the security, the paperwork available and the valuation. We'll give you a realistic timeframe on the first call rather than an optimistic one.

What is a caveat loan?

A caveat loan is a short-term facility secured by lodging a caveat over a property rather than registering a full mortgage. It's typically quicker and used for smaller or shorter-term needs. Whether a caveat or a registered mortgage suits depends on the amount, the timeframe and the existing debt on the property.

Do I need a perfect credit file?

Not necessarily. Private lenders weight the asset and the exit heavily. Credit history is part of the picture, but a clear security position and a credible repayment plan carry more weight than they would at a bank.

How much can I borrow?

Facilities generally run from $100K to $10M+, sized against the equity available in the security property and the strength of the exit.

Talk it through

Tell us the asset, the amount and the timeframe. You'll get a straight answer early — including if it doesn't stack up.

Get started
Construction site of a building under development Handshake closing a deal