The structure is simple. Commercial Property Funding lends against the equity in your current property - the property you intend to sell. Those funds are used to settle on the new property. When the existing property sells, the bridging loan is repaid in full from the sale proceeds.
Because the loan is secured against the property you're selling rather than the one you're buying, the new purchase is unencumbered by CPF - making it cleaner to refinance to a long-term lender, or to simply own outright once the sale completes. Interest is capitalised into the loan amount, so no monthly repayments are required during the bridging period.
Assessment is asset-led. We focus on the equity available in the existing property, the strength of the deal, and a clear exit strategy - typically the sale of the existing property within the loan term. Tax returns and full serviceability reviews aren't required.
Settle on the next property without selling first Sell the existing property on your timeline - not the market's Avoid temporary accommodation, double-moves, and storage costs Single security - only the property being sold is used as collateral No monthly repayments during the bridging period Asset-led assessment - no tax returns or full serviceability test
Secure the next home or investment property before listing the existing one - avoiding the squeeze of buying and selling.
Move into the smaller, simpler property you've chosen without being forced to sell first under pressure.
Acquire a new investment property and exit the existing one in sequence - without missing the buy or sell.
Already sold your existing property but settlement is weeks away? Use the agreed sale price as your exit and settle now.
Submit your scenario for assessment or speak with our team about buy now, sell later finance for your next move.
Funding solutions designed for property developers, investors, and brokers across Australia.
