Settlement bridging is built for the specific situation where a contracted property settlement is in jeopardy. The contract is signed. The settlement date is locked in. The original finance - usually a bank loan that was in late assessment or had pre-approval - has fallen through, slipped, or come back short. The deposit is at risk if the contract date passes without funds. Settlement bridging is the short-term loan that completes the purchase, after which the borrower has time to arrange a longer-term refinance without the contract clock running.
Most settlement crises trace back to one of four causes. The bank's valuation came in lower than the purchase price, triggering a higher deposit or a refusal to fund. A change in employment, business income, or borrower circumstances affected the bank's serviceability assessment. A property sale chain broke down - a sale meant to fund the purchase didn't proceed, or its own settlement slipped. Or a complex borrower structure, security position, or asset class held up bank approval longer than the contract allowed. Settlement bridging is structured to cut across all of these - assessing the property and the exit strategy rather than re-running the bank's serviceability tests.
The realistic timeline matters. CPF can issue a no-cost, no-obligation Letter of Offer within 48 hours of a complete submission, and settle within seven days of executed loan documents. That means a scenario submitted ten or more days before the contract date sits comfortably inside CPF's capacity. A scenario submitted with three days to go is tight - possible in some cases where the property and borrower are straightforward, but not guaranteed. The earlier the submission, the more reliable the outcome.
Complete settlement on time and protect the deposit Letter of Offer in 48 hours, settlement within 7 days of docs Asset-led assessment - no full bank-style serviceability test 1st or 2nd mortgage - no need to refinance an existing bank loan No monthly repayments - interest capitalised through the term Time after settlement to arrange longer-term refinance properly Available to company and trust borrowers Direct lender - decisions made directly with our credit team
Pre-approval was in place, the final assessment came back negative, short valuation, tighter serviceability, or policy shift.
The sale that was funding the purchase didn't proceed, or settlement slipped. Settlement bridging covers the gap.
The bank's credit cycle is taking longer than expected - common with complex structures or non-standard borrowers.
Employment, business income, or borrower structure changed between contract signing and final assessment.
The earlier you submit, the more reliably we can help. A Letter of Offer can be issued within 48 hours of a complete submission.
Funding solutions designed for property developers, investors, and brokers across Australia. Submit your scenario now - we can respond within hours.
