Bridging Finance Rates

Get personalised bridging finance rates fast at Funding. Receive an outline of your applicable fees when you get your same-day conditional approval. Apply now!

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Build a bridge with our funding solutions

Bridging Loans

Short term loan secured against your existing property as a financial bridge

  • Buying and selling your property
  • Urgent settlements
  • Cash out / equity release
  • Upsizing and downsizing
  • Personal loan

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Business Loans

Access capital for your business when you need it or purchase a business or property

  • Investment / business purposes
  • Share purchases
  • Business cash flow / debt consolidation
  • Companies / individual borrowers

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Building Loans

Flexible and fast building loans to complete an incomplete development or building

  • Development / construction finance
  • Renovations / incomplete construction
  • Land bank and residual stock
  • New builds / owner builders

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Bridging Finance Rates

Most people considering getting a bridging loan are curious about the bridging finance rates they’ll incur. They want to get the best rates possible. However, some traditional lenders offer steep interest rates and fees. 

Funding is a reputable non-bank lender that offers transparent and flexible bridging finance rates. To get an overview of your personalised rates and loan offer, request an Express Quote on our platform.

Bridging finance rates are a major decision-making factor. Read more below for information about ‘What is a bridging loan?’ and ‘How is bridging loan calculated?’.


Are bridging finance rates negotiable?

Bridging finance rates from online lenders may be more flexible compared to rates from traditional lenders such as banks. 

Your bridging finance interest rates may be adjusted based on the property you’ll use as security, your profile as a borrower, and your exit strategy for paying your loan back. To improve your chances of landing a fair deal with your bridge loan or home equity loan, go for a lender who offers personalised rates rather than a ‘one-size-fits-all’ type of pricing mechanism. 

Funding considers your unique situation when providing you with a loan offer. Submit your loan scenario today, and receive same-day conditional approval, where you can view an outline of your applicable rates and fees. Once you’ve complied with the requirements and received formal loan approval, settlement is possible in as little as 48 hours.


Is there a way for me to lower my bridging finance interest rates?

There are various factors that affect the interest rate of your short-term bridging loan, including your loan-to-value ratio (LVR), credit history, and property, among others.

The quality of your asset and the value of the equity you hold over it are two major factors that affect your bridging finance rates. Having more equity in your property and pledging low-risk properties are some of the ways you can have lower bridging finance rates. 

Funding accepts different types of properties as security, including residential properties, commercial properties, and vacant lands that are located in Australia. Our usual LVR is 65% to 70% of the property value for our residential and commercial property loan options, meaning the better the quality of your assets and your property equity, the better the deal we can offer you.


What is the average bridge loan interest rate in Australia?

Your loan interest rate is a major component of your bridging finance fees. These vary from lender to lender and can be affected by your unique loan situation. In addition, lenders may have different fees on top of the interest rates, affecting the total cost of your repayment. It’s important to choose a lender that offers you the conditions that suit your needs. 

Funding makes it easy to know the bridge loan interest rates that are tailored to your specific loan needs and scenario. The Funding team will prepare a personalised quote, so you don’t have to rely on a random bridging loan calculator you find online. 

Individuals, businesses, and trusts can access our bridging loan options, including short-term business loans for entrepreneurs. All you need is sound real estate security, documents to prove your ability to meet your repayments, and a sound exit strategy for the end of your loan term.

Furthermore, you can submit your application online from anywhere in Australia. There’s no need to queue for hours in traditional banks or go back and forth for several days just to process your application and requirements. Start your loan application with a few simple clicks.


Funding – Australia’s leading online mortgage marketplace

Funding is the home of faster and simpler digital mortgages. Since 2015, we have helped countless Australians with their projects and goals by providing financing and assistance, with the goal of establishing ourselves as a reputable and trusted non-bank lender within the finance industry.

We are committed to providing you with a hassle-free experience from start to finish, so we use our cutting-edge technology to allow faster processes that are entirely online for your convenience. We offer loan amounts ranging from $20,000 to $10 million, with terms from one to thirty-six months.

To begin your loan application with us, submit the following information:

  • Basic personal information (name, email, phone number)
  • Loan details (purpose of the loan, loan principal, loan repayment terms)
  • Property information

As part of the loan application process, you will have the option of uploading any additional files that may be relevant to your loan application. Once you’re done filling everything out, check all the information you’ve entered to ensure everything is accurate and that you haven’t missed anything, as this will help expedite the processing.

Funding offers our borrowers a dedicated customer support team you can depend on for any queries and concerns you may have. You can talk directly to one of our friendly staff members online or over the phone, and they’ll be happy to help you with anything you need. Contact our customer service team by emailing or calling us at 1300 44 33 19.

It’s free to get personalised bridging finance rates at Funding. Send us your loan scenario now, and get an Express Quote!

How to get started


Get started

Forget slow and frustrating banks. We put you in the fast lane. Get started now or call 1300 44 33 19.


Get approved

Same day approval. Yes, you read that right. Conditional approval provided the day you submit.


Formal approval

Conditional approval becomes formal approval once due diligence is completed and you sign your loan documents.



Not months. Not even weeks. Just days and in as little as 48 hours settlement can be arranged.

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Don’t take our word for it.

“Funding organised a bridging loan for my client in less than a week!! No other lender could have done this and you saved my clients deposit being lost. Great result.”

Scott Vine


“We approached Funding several months back as an alternative to our normal banks, and dealt with John from day one. From the start, the transparency was there, we knew pretty much at every point what was happening…..”



“Amazing Service! We were able to turn around a deal in 2 days so the client could settle on their dream home. Nathan worked tirelessly to get this across the line and make it a smooth experience for myself and my client. Highly Recommended.”

Sandy Kelso


“The team at Funding have been great to work with. The funds have been made available quickly and without fuss. We are about to start another project and will happily use Funding again”

Kerin Friswell


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