Short Term Mortgage Loans

Find fast and flexible short term mortgage loans at Funding. Get a personalised Express Quote today, and our experts will find the best loan to suit your needs.

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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 Mortgage Loans

Purchasing a home while you still haven’t sold your current one can be close to impossible for most people. However, we know there are circumstances wherein you’re in a rush and need to get that new home fast. The solution here is what we call short term mortgage loans, where you can receive funding secured against your property. 

With short term mortgage loans at Funding, you can secure the home of your dreams as soon as possible. The industry experts at our company can help you secure great deals on short term mortgage loans.

Our commitment to staying ahead of the curve, coupled with the use of the latest technology and bank-level encryption and security, contributes to why Funding is widely recognised as the home of fast and simple digital mortgages in Australia.


What are the advantages of a short term mortgage loan?

There are several benefits to taking out a short term mortgage loan. One of the main advantages is that you will generally get a lower interest rate than you would with a long-term loan. As interest rates typically accrue monthly, this can save you a significant amount of money over the life of the loan.

Another advantage of a short term mortgage loan is that you will have the opportunity to rebuild your credit score more quickly. If you have had financial difficulties in the past, short term loans can help you get back on track faster as long as they are properly managed.

Finally, a short term mortgage loan allows access to fast funds secured against property, with the flexibility to refinance later on if your circumstances change. This can be a big advantage if you need immediate financing for your new home, debt consolidation, renovation, or any other purpose.

To apply for a loan with Funding, you will need to submit the following information:

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

If necessary, you can also upload documents that support your application. It’s a good idea to review your entire application once you’ve finished filling it out to ensure all details are accurate and nothing is missing. Application delays or rejections may result from any mistakes.


Will short term mortgage loans affect my credit rating?

Yes, these types of loans affect credit ratings, similar to commercial property loans, short term property loans, or short term business loans. It can affect your rating either positively or negatively, depending on how you manage it.

If you meet your mortgage payments and settle on time, you can boost your credit score and show lenders you are a creditworthy borrower. However, your credit rating will likely suffer if you miss payments or default on the loan.

Lenders use your credit score to determine whether you qualify for a particular loan based on your credit history. A credit agency prepares a report for loan lenders, and a low credit score will likely result in the rejection of your application.

Funding takes your credit rating into consideration when we make your loan offer. Our principals range from $20,000 to $10 million, and our terms span up to thirty-six months, with our shortest mortgage term being one month.

Borrowers must have sound real estate property, such as residential or commercial property or vacant land across Australia, to put up as loan security. They must be able to make their monthly repayments in a timely fashion, and we require that all borrowers have a clear exit strategy at the end of the loan.


How do I get low short term mortgage rates?

You can do a few things to get low short term mortgage rates. One is to make sure you have a good credit score. You may also look for lenders with flexible terms, such as Funding. 

If you want to know your short term mortgage rates when you apply for a loan with us, you can quickly get an Express Quote. When you send us your loan information, you’ll receive a same-day conditional approval stating all the required information related to your unique loan scenario, including applicable rates and fees. 

As part of the Funding’s effort to be revolutionary in the lending industry, we reduce the processing time for short term mortgage loans – from application to settlement – down to three to five days. Once you receive formal approval, you may even settle in as little as 48 hours.


Get your dream home now with the help of a short term mortgage loan from Funding.

Regardless of why you’re looking for a short term mortgage loan, Funding is here to help you. If you’re looking for other types of loan products, we also offer renovation loans, bridging loans, caveat loans, and even our second mortgage loan option. 

For any concerns regarding our loan products or your application, please feel free to contact us through our website, email, or call 1300 44 33 19.

Get an Express Quote with us today to begin your application for short term mortgage loans!

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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