Short Term Property Loans

Borrow short term property loans for your personal or business needs at Funding. Our process is entirely online, and you can 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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Building 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 Property Loans

Seize real estate opportunities through short term property loans. 

A bridging loan, for example, is a type of short term property loan that you can get on top of your existing property financing to pay for renovations, mortgages, or the downpayment of a new property. Short-term property loans are available for both residential and commercial properties, and if you’re wondering where to get one that suits your needs best, Funding can help. 

Funding offers short term property loans, including a home equity loan and a commercial property loan, that are tailored to your unique loan scenario. As one of Australia’s leading online mortgage marketplaces and with bank-level data encryption and security, you can trust that we are a reliable lender for all your short term financing needs. 

If you have questions related to short term property finance such as ‘How to apply for bridging finance?’ or ‘Are bridging loans hard to get?’ our answers to common loan questions below might help. 


What is the shortest term mortgage I can get?

Short term property loans typically have loan terms of less than a year. The shortest mortgage term you can get in Australia ranges from a few weeks up to a month. The term you can get for your short term loan depends on your lender’s conditions, loan amount, property value, and other factors. Note that your bridging finance rates may also depend on the length of your loan. 

Loan terms at Funding are usually between one and thirty-six months. You get to choose your desired loan term, and you will receive an outline of your application loan rates and fees when you get conditional approval at Funding. Because we use our innovative technology to streamline our loaning process, we can grant same-day conditional approvals and provide settlement in as little as 48 hours. 


Is it easy to secure short term property loans?

Compared to traditional long term loans, it can be easier and quicker to get short term property loans. It still depends on the lender you are getting a loan from, however, because many traditional banks and lenders are still stuck with their slow, manual processes. It may be easier to get short term commercial property loans or residential property loans from online lenders since you can apply and comply with the requirements remotely from your home. 

At Funding, our entire process is online, so you can get short term property loans from anywhere in Australia. Just request an Express Quote from our platform and submit your loan scenario to get conditional approval. Our team will reach out to you to assess your unique loan situation further. When your loan is formally approved and the necessary documents are signed, settlement is possible within days, not weeks. 


How do bridging loans work?

Have you been asking, ‘What is a bridging loan?’ 

It is a type of short term loan where you can borrow money against your property equity. The amount you can borrow depends on the value of the property equity you hold as well as the loan-to-value ratio (LVR) that your lender offers. Repayments can be made monthly, fortnightly, or as a lump sum at the end of your term to give you enough time to sell your home or obtain separate financing. 

The usual LVR at Funding is 65% to 70% of the property value or lower, which means you can borrow a bigger amount the higher your property equity is. 

Instead of using a random bridging loan calculator online to see how much you can borrow, what your interest rate will be, and how much you need to pay, request a personalised quote on our platform. You may also reach our team online or via phone call for any questions you may have regarding our short term property loans. 


Funding – your trusted mortgage marketplace

Since 2015, we’ve sought to revolutionise loans by using innovative technology to make private lending quick, easy, and efficient.

Funding welcomes all borrowers, from individuals to businesses to trusts, who need to borrow funds for any purpose at all. If you have sound real estate security over your residential property, commercial property, or vacant land and proof that you can meet your repayments, you have a better chance of getting your loan application approved. 

As a comprehensive online mortgage marketplace, Funding seeks to make financing simpler, faster, and more convenient for our borrowers. To begin your loan application with us, submit the following information online:

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

You may also upload any relevant documents that will help get your loan approved. Make sure you read your loan application carefully before clicking the submit button, as errors could delay the approval of your loan.

Funding has a solution for you, whether you’re looking for short term property loans, bridging loans, short term business loans, building loans, or other solutions. If you have any questions regarding our loan products or the loan application process, please feel free to contact our customer service team by emailing or calling us at 1300 44 33 19.

Get started with Funding today.

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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