Commercial Bridging Loan
Bridge the gap between opportunity and long-term funding for commercial borrowers.
Apply online in just a few minutes, no paperwork
Short-term solutions designed to give you flexibility
Borrow the amount you need for your situation
Competitive lending that keeps you moving forward
When a Commercial Bridging Loan fits your move
When a Commercial Bridging Loan fits your move
You want to buy now, sell later
Take the pressure off selling first. Secure the next property without the wait.
Company and Trust
We lend to ASIC-registered companies and both corporate and individual trustee structures across Australia.
You need fast access to your equity
We lend against the property and a clear exit strategy with no income verification required.
You need to sell residual stock
Unlock more time to complete the sale of residual stock once a development is complete.
Commercial Bridging Loan features
Purpose
Short term solutions that allow you to buy now sell later, release equity or sell down residual stock
Security
Commercial, light industrial, mixed use, or residential investment held by company/trust.
Structure
Up to $5m loan amounts, 75% LVR, 24-month loan terms and no monthly repayments
Servicing
No income assessment and lease doc options available
Rates that move you forward
Bridging
Bridge Rate from
8.74% p.a.
Set-up fee from
1.00%
Maximum loan amount
$5,000,000
LVR up to
75%
Residual Stock
Bridge Rate from
8.49% p.a.
Set-up fee from
1.25%
Maximum loan amount
$5,000,000
LVR up to
70%
Rates that move you forward
Bridging
Bridge Rate from
8.74% p.a.
Set-up fee from
1.00%
Maximum loan amount
$5,000,000
LVR up to
75%
Residual Stock
Bridge Rate from
8.49% p.a.
Set-up fee from
1.25%
Maximum loan amount
$5,000,000
LVR up to
70%
Compare your loan options
Bridgit
Traditional lender
Approval
Repayments
Loan term
Eligibility
FAQs
We aim to be transparent about our fees and help you understand how they apply to your loan.
Loan to Value Ratio (LVR) is the amount of money you are borrowing from a lender, shown as a percentage of the value of the property you are borrowing against.
A Bridging loan is calculated by taking the amount you need to purchase, excluding the deposit, and any existing mortgage on the property you are selling. You simply add the mortgage to the property sale price to calculate the bridging loan amount.
At Bridgit we also calculate interest in advance and include it in the total loan amount, along with other fees. This means you don’t have to worry about making monthly repayments during your loan term. When you repay your loan, interest will be recalculated based on the actual term and the applicable rates.
Unlike other lenders, we do not charge monthly fees, annual fees, or bill extra for paying off your loan early. Instead, we charge a set-up fee. The set-up fee covers the cost of providing you with credit assistance and the loan. It is a one-time, non-refundable fee that is added to the loan balance and on settlement, it is automatically deducted from your total loan proceeds. In simpler terms, the amount of money you receive is the total loan amount minus the set-up fee, meaning you don't have to worry about paying anything until the end of your loan term once you have sold your property.
The interest rate for a bridging loan is generally a variable rate. The interest rate varies by different lenders. View our rates page for the most up to date rates.
Australian Property Institute certified valuers conduct independent valuations on the properties listed in the application.
The valuation fee can be determined by a number of things including: size of the property, location, number and types of rooms, fixtures and fittings, building structure and condition, ease of access, such as easy vehicle access and a garage, local council zoning, recent sales in the area and market conditions.
Valuation fees are paid at the conditional offer stage to support unconditional approval.
Unlock your financial potential
Progress starts with one conversation. Reach out to us today and discover how easy your next step can be.
Eligibility and approval is subject to standard credit assessment and not all amounts, term lengths or rates will be available to all applicants. Fees, terms and conditions apply.