Home Loan Solutions
The right end-debt, features and rate.
We refinance or restructure once your sale settles — with offsets, splits and a repayment plan that fits.
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Bridging finance helps you purchase your next property before your current home settles. We structure peak debt, interest capitalisation and your sale strategy so cash flow stays comfortable and the move is stress-free.
A bridging loan is a short-term facility that lets you buy your next home before selling the current one. During the bridge period (commonly up to 6–12 months for owner-occupied moves), interest can be capitalised so you’re not making two full repayments at once.
Quick example: Buy new home for $1,000,000 with $30,000 costs; current home loan $400,000; expected sale $800,000 with $25,000 selling costs. Peak ≈ $1,000,000 + $30,000 + $400,000 = $1,430,000 (plus any capitalised interest). After sale, End Debt ≈ $1,430,000 − ($800,000 − $25,000 − $400,000 payout) = about $255,000 (before capitalised interest). We’ll model exact numbers and buffers.
We compare lenders and exit paths to minimise interest and stress.
No contract of sale yet on your current property. Requires strong buffers and a clear marketing plan.
Your existing home is already under contract with a set settlement date. Lower risk and pricing with clear exit.
For knock-down/rebuild or new builds. We align progress payments, valuations and the sale timeline.
Buy next asset while selling another. We factor rental income, tax advice and risk management.
Tip: Align settlement dates so your sale occurs shortly after the purchase. This reduces capitalised interest and shortens your bridge — saving thousands.
A practical roadmap from offer to exit.
We clarify your target purchase, expected sale price and cash buffers. Early numbers = better decisions.
Order up-front valuations and secure a bridging pre-approval that fits timing and policy.
Negotiate purchase terms and settlement date that match your sale campaign and lender conditions.
Stage, market and set auction/private-sale strategy. Provide lender any updates to keep approvals seamless.
We coordinate both settlements to minimise overlap — and capitalised interest — on the bridge.
After sale settles, we lock in sharp pricing on the end debt, structure splits, and set automation.
Rate reviews, buffers and contingency plans if the sale takes longer than expected.
Clear answers to common concerns about buying before you sell.
During the bridge, lenders combine debts into a single facility (peak debt). Repayments are typically interest-only or capitalised; once your sale settles you revert to end-debt repayments.
Most lenders allow 6 months for existing property purchases and up to 12 months for construction or complex scenarios. Extensions can be requested with evidence of active sale marketing.
No — that’s open bridging — but lenders need a realistic sale price and plan. Closed bridging (with a signed contract) may offer smoother approval and lower risk.
We build conservative assumptions and buffers. If a shortfall occurs, options include price review, temporary extensions, partial refinance or injecting savings to meet the end debt.
Capitalisation increases total interest versus paying monthly, but it protects cash flow during the move. We model both options so you can choose the best fit.
Yes. We factor rental income, tax advice and exit timing across multiple properties to keep LVRs and cash-flow under control.
“The secret to a smooth bridge is clean numbers, realistic sale pricing and airtight timing. My team handles the lender conditions and settlement choreography — so your family simply moves in.” — Quinto White
We coordinate agents, valuations, approvals and settlements to minimise overlap and interest — and we negotiate sharp pricing on your end debt.
Scenario plans with sale sensitivity, rate buffers and capitalised-interest calculators.
Dates and clauses negotiated to compress the bridge window and reduce cost.
We place you with lenders that allow capitalisation, flexible LVRs and realistic sale timelines.
Experience that protects your sale price — and your sanity.
Bridge lets you avoid rushed sales. We help you stage, market and negotiate for the best outcome.
Interest-only or capitalised options reduce strain while you manage the move and sale.
We use suburb stats and recent sales to set realistic sale prices and lender-friendly projections.
Get peak/end-debt modelling, conservative sale assumptions and a clear exit strategy — so the only thing left is the move.
Everything you need around your move — and after.
The right end-debt, features and rate.
We refinance or restructure once your sale settles — with offsets, splits and a repayment plan that fits.
Explore Loan OptionsPolicy benefits for eligible careers.
Higher LVRs or LMI waivers may help if your end-debt needs extra flexibility.
See Professional LoansStructure the move — and what comes next.
From construction to sustainable upgrades, we match product features to your plan and cash-flow.
View Finance OptionsUse the move to grow wealth.
Plan rentvesting or portfolio reshuffles with buffers and tax-efficient structures.
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