Short Term Bridging Loans

Receive settlement for short term bridging loans within days – not weeks – at Funding! Request your custom quote today, and get same-day conditional approval.

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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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Short Term Bridging Loans

With short-term bridging loans, you can buy your desired property when you want it and worry about selling your existing property later. 

What is a bridging loan? Bridging finance lets you borrow money against your property equity. This allows you to purchase a new home or commercial property immediately, giving you enough time to sell your current property or secure a different repayment strategy later on.

Funding seeks to revolutionise the process of lending. We leverage our state-of-the-art technology to streamline the loaning process, enabling settlement within just a few days. Our fast decision-making also allows us to assist you in areas where traditional banks can’t. 

If you’re interested in short-term bridging loans, learn if you’re qualified for them below. You’ll also know if you can settle your bridge loan early and how bridge loans are calculated.


How do I know if I qualify for short-term bridging loans?

Every lender has their own set of requirements and conditions for their short term bridging loans, but typically, you may qualify for one if you have sound real estate equity. Your lender may also consider your credit profile, ability to repay your loan, and existing debts and assets, so be prepared to supply the necessary documents. 

At Funding, individuals, companies, and trusts are all welcome to apply for short term bridging loans or even our other short term property loans. We accept vacant lands, residential properties, and commercial properties as loan security, so if you hold equity over them you may qualify for bridge finance at Funding. 

The usual loan-to-value ratio (LVR) offered by Funding is 65% to 70% of the property value, depending on factors such as the location and type of security property. In other words, the bigger your property equity is, the bigger the loan amount you can borrow. You can borrow anywhere from $20,000 to $10 million, depending on your unique loan situation. 


Can I repay a short term bridge loan early?

Depending on your lender, it is possible to repay your short term bridging loans early – you may have sold your property earlier than expected or secured funds from another source sooner than your loan maturity. Some bridging loan lenders charge early exit fees for settling your loan early, so it’s important to choose a lender that is upfront about their pricing to ensure you get a fair deal. 

When you request an Express Quote from Funding, we’ll give you an outline of all your applicable bridging finance rates and fees. We do the same for all our loan offers, including caveat loans, so whichever you choose, you can trust that you’ll be well-informed about what’s included in your total loan costs.


How do I calculate bridge loan repayments?

To calculate your bridge loan repayments, your total loan amount, interest rates, processing charges, and other applicable fees will be divided by your payment frequency, with consideration for the length of your loan term. Repayments for short-term bridging loans can be scheduled monthly, fortnightly, or as a one-time lump sum payment at the end of the loan term. 

Calculating bridge loan repayments can get pretty technical and confusing, especially for someone without expertise in the area, and online bridging loan calculators may not be the most accurate. It’s good to have a lender who is willing to address any questions you may have regarding your loan repayments or any concerns about your loan process any time you need assistance. 

All your queries and concerns are welcome here at Funding. We have a dedicated customer support team that you can reach online or via phone call if you need any clarifications regarding your loan repayments. Feel free to enquire about our other loan offers as well. If you need help finding the right type of loan for you, our team will be happy to assist you. 

On our platform, simply submit details of your unique loan situation, and our team will provide a personalised calculation of repayments. You will also be informed about the requirements you may have to comply with during your loan application. After your application is formally approved, settlement can be done in just a few days – in fact, we’ve settled some loans within just 48 hours before. 


Funding – Australia’s leading mortgage marketplace

Funding is more than just an online platform for borrowers of short term bridging loans. We offer a variety of loan options suited to your unique circumstances. 

For example, if you are looking to repair or develop your property, consider applying for renovation loans with Funding. We offer fast financing for constructions, home builds, and the like, so you can fix up your dream home as soon as possible. We also offer short term business loans for business owners and companies looking to expand, purchase new equipment, or inject more capital into their operations.

We will ask you to submit the following information on our platform in order to begin your renovation loan application:

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

As part of the application process, you will be able to upload additional documents that may help you get approved for your loan. Be sure to check your loan application carefully before clicking the submit button, as errors could lead to your approval being delayed.

Ready to start your Funding loan application process? Request your Express Quote today to get started.

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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