Bridging Finance

Buy your next home before selling your current one!

Looking to buy your next home before you’ve sold your current one? The Finance Guide offers flexible bridging loans that let you move when the moment is right—not when the market says so.

Explore your loan options

What Is a Bridging Loan?

A bridging loan is a short-term finance solution that helps cover the gap between buying a new property and selling your current one. It’s designed for homeowners who don’t want to miss out on their next ideal property but haven’t yet finalised the sale of their existing home.

This type of bridging finance ensures you don’t have to juggle temporary housing, rushed sales, or rigid timelines. Instead, you move with clarity and confidence.

Who Bridging Finance Is For

Our bridging finance options are tailored for:

Homeowners upgrading or downsizing Moving to a new home? We make the transition smooth and simple.
Families needing to secure a new residence before listing Find your next home before selling your current one with ease.
Buyers building a new home while living in the current one Finance your new build without disrupting your current living situation.
Investors transitioning between properties Upgrade or switch properties efficiently while keeping your investments on track.

Key Features

Key Features of Finance Bridging Loans

Up to 100% of the new property’s value plus associated costs

Capitalised interest available to ease short-term cash flow

Reduced or no LMI
Lower loan-to-value ratio (LVR) means big savings on insurance costs.

Limited guarantee structure
The guarantor only supports a specific portion of the loan—not the full amount.

Flexible exit options
The guarantee can be released once your property gains enough equity.

Available to multiple family members
Not limited to parents eligible relatives may include grandparents, siblings, and legal guardians.

How Does a Bridging Loan Work?

We take over your current home loan and fund the purchase of your new property.
The total amount borrowed is called the Peak Debt—this includes your existing mortgage, new purchase costs, and expenses like stamp duty.

Family Guarantee Loan

Family Guarantee Loan is a home loan supported by the equity in a close family member’s property most commonly a parent’s home. The family member doesn’t

Family Pledge Loan

Family Pledge Loan is a specific version of the family guarantee, offered by certain lenders under that name. The key difference is the guarantor’s flexibility

Family Home Guarantee Scheme

The Family Home Guarantee is a government-backed scheme designed to help single parents with dependent children who have at least a 2% deposit.

Helping You Choose the Right Option

At The Finance Guide, we make these structures simple to understand. Whether you’re exploring: A Family Guarantee Loan, A Family Pledge,.