Peak debt strategy
We model peak debt (existing + new) and end debt (after sale) so you know exactly what the bridge costs and when it ends.
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Buy the next one before you've sold the last.
Bridging finance lets you secure the next property without forcing a fire-sale on the current one. The trick is structure - keep peak debt manageable and interest cost low.
Who this is built for.
- Upsizing or downsizing and timing is tight
- Found the right property before yours is on the market
- Sold subject to a longer settlement than your purchase
- Wanting to renovate the new place before moving
- Auction or off-market opportunity you can't wait on
- Sellers in strong markets where stock is scarce
What we do
How we approach this work.
Lender selection matters
Bridging policies vary wildly - some lenders capitalise interest, others demand monthly payments. We pick the structure that fits your cashflow.
Sale timeline coordination
We work with your agent and conveyancer to time the sale settlement so the bridge closes cleanly on the end-loan amount.
Plan B if the sale stalls
Markets move. We build the contingency in - extension options, fallback structures, exit strategy - before you commit.
FAQs
Common questions.
How long can a bridging loan run?+
Typically 6 to 12 months, sometimes extendable. The shorter, the cheaper - most lenders price bridging at a higher rate than a standard mortgage.
Do I need to make repayments during the bridge?+
Often interest is capitalised onto the loan and paid in full when your existing property settles. Other lenders require monthly interest payments.
What if my property doesn't sell in time?+
We model this upfront. Options include extending the bridge, refinancing to a standard loan, or adjusting your sale strategy. The plan exists before you commit.
Next step
Let's chat about your next move.
No pressure, no jargon. We'll listen first, then map out the smartest way forward.