Bridging Loans

Fast funding when timing matters.

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A bridging loan gives you fast, short-term funding to complete a property transaction before money arrives from another source, so a timing gap never costs you the deal.

What is a bridging loan?

Bridging loans provide short-term finance when you need to complete a property transaction before receiving funds from another source. They are commonly used by property investors, business owners and developers who need certainty of funding and speed of execution.

A bridging loan bridges the gap. For example, buying before you sell, or settling now and refinancing once a longer-term facility is in place.

Common uses

Why Property Funding Co.

Time-critical lenders

Access to lenders comfortable with short-term, time-critical deals.

Fast approvals

Built around firm dates.

Flexible security

Flexible security options across the transaction.

Specialist expertise

Specialist property funding expertise.

Bridging vs short-term and second mortgage

A bridging loan is built around a specific date and a clear exit, usually a sale or a refinance. A short-term property loan covers a defined period for a broader purpose, while a second mortgage releases equity behind an existing first loan. Many deals start as a bridge and refinance later.

How the process works

A clear path from your first enquiry to funded.

Setting up your loan
01

Submit your scenario and key date

Tell us the deal and the date you are working to.

02

We match a lender and issue terms

We match a lender who can meet the deadline and come back with indicative terms.

03

Fast documentation and settlement

Documents are prepared and the facility settles to your date.

Repaying your loan
01

Your exit completes

Your sale or refinance completes as planned.

02

The bridging facility is repaid

The bridging facility is repaid in full from the exit.

03

Security discharged

The security is released once the loan is cleared.

FAQs

Common questions

Answers to the questions we're asked most often.

No, definitely not. Bridging loans can be used for a range of business and investment purposes wherever short-term funding is required, not just to buy property.

Very often, bridging loans can settle within days once the valuation and documentation are complete.

Bridging loans are typically a little more expensive than traditional long-term loans, reflecting their short-term nature and their reliance on a clear exit. For most borrowers the speed and certainty are well worth it.

Bridging facilities are secured against property, most commonly residential, commercial or investment real estate. A clear exit, usually a sale or refinance, matters just as much as the security itself.

Why source through Property Funding Co.

We structure finance around the asset and the exit, not a rigid credit box.

Access to multiple funding sources

Non-bank lenders and private capital providers, not one balance sheet and not one set of rules.

Specialist property expertise

We structure funding around the asset and the exit, by people who understand property.

Fast turnaround times

Built for borrowers who need certainty and speed when an opportunity will not wait.

Tailored funding structures

Solutions shaped to your scenario, not forced through rigid bank criteria.

Related funding solutions

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Tell us about your scenario.

Share the deal and we'll come back with indicative terms, usually within 24 hours. Prefer to talk? Call us directly.

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  • No credit checks

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Thanks, we've got your enquiry.

A specialist will contact you as soon as possible. Prefer to talk now? Call 1300 986 166.

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