First mortgage
A property-backed facility with first-ranking mortgage security.
Keep in mind: The property is at risk if obligations are not met. Review costs and the repayment plan.
Explore this option →Construction & Development · A CLEARER STARTING POINT
Bridging Loan Facility
Plan for a temporary funding gap before a property sale, refinance or other evidenced repayment event.
Explore the information first. Our team can help you understand the next step.
Your initial profile review won’t affect your credit score.
How credit checks work
The initial review does not involve a hard credit enquiry. If you choose to proceed, a formal credit application may involve a hard enquiry, which can affect your credit score.
THE ESSENTIALS
Your finance essentials.
Bridging finance covers an agreed gap before an expected repayment event. Check whether interest is paid during the term, retained upfront or added to the balance, and how that affects net proceeds and the final payout. The proposed sale or refinance needs evidence and a contingency for delays.
- Purpose
- Discussing a temporary gap before an expected sale, refinance or other repayment event.
- How it works
- The facility bridges an agreed period and is repaid through the proposed exit, if it proceeds.
- Security to understand
- Property may secure the facility. Existing mortgages, ownership and legal priority need individual review.
- Costs to compare
- Ask for interest, establishment, valuation, legal, ongoing and exit costs. Check extension terms and how capitalised interest affects the amount owing.
A LITTLE MORE CLARITY
Separate the funding purpose from the security.
These explanations help you understand the differences. They do not select a product for you.
Explore related funding structures
Second mortgage
A further mortgage behind an existing first mortgage.
Keep in mind: Existing debt, priority arrangements and any required consents need review.
Explore this option →Construction funding
Funding structured around a property project and its stages.
Keep in mind: Drawdown conditions, approvals, cost overruns and completion risks need specialist review.
Explore this option →A situation you might recognise
ILLUSTRATIVE EXAMPLE
A purchase settles before expected sale proceeds arrive, creating a timing gap to discuss.
The team would discuss the purpose, information available, costs and repayment obligations before any next step. This illustration is not a client story, offer or approval.
Before you decide
Interest and costs can accumulate during delays. Ask about extensions and a backup exit.
GETTING READYA little preparation.
A little preparation.
A better conversation.
You don’t need to have every answer before contacting us. Start with your goal and our team will explain what information is needed.
For this particular request
Transaction dates, property/debt details, expected incoming funds and a backup repayment plan.
The property and borrowing
- Property address, ownership, estimated value and existing secured debts.
- Amount required, purpose, preferred term and important transaction dates.
The repayment plan
- The proposed sale, refinance or other repayment source, with supporting information.
- A backup plan for delays. A future sale, refinance or extension is not guaranteed.
These are conversation checklists, not the final application requirements. Our team will confirm the relevant records and periods.
What should I tell the team?
Your goal, preferred timing, and any circumstances you would like us to understand. Share sensitive documents only through a verified, approved process.
NO GUESSWORK REQUIRED.
Your questions, welcome.
How can interest be handled during a bridging facility?
The agreed terms may require regular interest payments, retain interest from the advance, or add interest to the balance. These arrangements affect available funds and the final payout differently. Ask for a worked cash-flow and settlement estimate.
What if my property sale or refinance takes longer than expected?
Costs can continue and the facility may still fall due on its original date. Understand the extension process, possible fees and backup repayment plan before proceeding. An extension or refinance is not automatic.
What should I explain about the funding gap?
Describe the purchase or transaction, expected incoming funds, key dates and existing borrowing.
What if my sale or refinance is delayed?
Discuss this before committing. Ask about interest, fees, extension terms and a backup repayment plan; an extension is not guaranteed.
What costs should I ask to see?
Request a clear breakdown of interest, establishment and ongoing fees, legal and valuation costs, and exit or extension charges before accepting terms.
What rate and fees would apply to me?
These depend on the product and your individual assessment. Ask for the rate, fees, repayment schedule and total cost in the proposed terms before deciding.
Can I start with a quick question?
Yes. Choose the short enquiry to share your goal and contact details, or take the full application path if you have more time. The team can clarify what is needed next.
Still wondering about something?
Share a little about your plans, or complete the full application if you’re ready.
Choose how to get started →