Bridging finance is short-term funding that fills the gap between two events - typically the purchase of one property and the sale or refinance of another. Where a traditional bank takes weeks to process an application and runs a full serviceability review, a bridging loan is built for situations where time, not paperwork, decides whether the deal happens.
At Commercial Property Funding, bridging is asset-led and commercial. We focus on the property securing the loan, the deal in front of us, and a clear exit strategy - whether that's the sale of an existing asset, a refinance to a longer-term facility, or the completion of a project. The loan can sit alongside an existing first mortgage as a second mortgage, meaning your current bank facility doesn't need to be disturbed.
Most bridging loans run for between six and twelve months, with interest capitalised into the facility so there's no monthly debt servicing during the term. The full balance is repaid from the agreed exit when it happens.
Settle on a new property before the existing one sells Fund tight auction settlements when banks can't move in time Available as a 1st or 2nd mortgage - no need to refinance Asset-led assessment - no tax returns or full serviceability test No debt servicing required - interest can be capitalised Letter of Offer in 48 hours, settlement within 7 days of docs
Settle on the next property before the existing one sells - avoiding a forced sale, a rushed price, or losing the new property.
Auction contracts are unconditional, often with a 30-day settlement. Bridging finance lets you bid with confidence.
Secure a development site quickly - then refinance to construction or longer-term funding once approved.
Release capital from one property to fund another, cover a settlement gap, or maintain short-term cashflow.
Submit your scenario for assessment or speak with our team about fast bridging finance for your next deal.
Funding solutions designed for property developers, investors, and brokers across Australia.
