Bridging Loans in Australia

Name: VOXFIN
Address: C5 Level 1, 2 Main Street, Point Cook, Melbourne, VIC, 3030, AU
Telephone: 0435 393 623

Fast & Flexible Short-Term Loans to Help You Buy Even Before You Sell

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Our 5-Star Google & Facebook Ratings reflect clients’ satisfaction, positioning us among Melbourne’s most trusted mortgage brokers!

Key Features That Distinguish VOXFIN’s Bridging Finance

Fast Approvals

We get approvals in 24-48 hours.
We work with 40+ specialist lenders who understand time-sensitive property purchases.

Buy Before You Sell

Don’t wait for your home to sell and miss your dream property.
Gain flexibility to secure your next home with confidence.

Flexible Terms from 1-12 Months

Get short-term finance tailored to your timeline.
Repay after your property sells.

Borrow More Up to 80%

Access the equity in your current property to fund your next purchase.
Our competitive rates help you maximise your borrowing capacity.

Strong Lender Network Nationwide

Get access to 40+ bank and non-bank specialist lenders all over Australia.
We connect you with Australia’s top bridging finance specialists.

$0 Upfront Fees

We not charge fees upfront.
We are paid only when your loan settles.

VOXFIN has been the expert hand behind dream homes of hundreds of Australian families – without the stress of perfect timing. Our 5-star rating from the clients is especially for making bridging finance simple. We promise faster approvals and provide clear guidance throughout the entire process. Specialist bridging loan lenders and 10+ years of experience help us deliver results when it matters most.

Are you considering a bridging loan?

We recommend you first understand what works best for a smooth transition in your case – whether to buy or sell first. If you are planning to purchase a new property before selling your current home, we are here to help you secure a bridging loan.

Here is when VOXFIN steps in with the expertise. Given the complexity of the changeover, our bridging loan specialists simplify the whole process.

With the top-rated bridging finance solutions across Australia, VOXFIN has been bridging the gap between current home sales and next property purchases for Australian property owners.

Hundreds of property owners have chosen us as their home loan mortgage broker in Australia.

When are you booking a free consultation call with a VOXFIN broker near you?

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Benefits of a bridging loan

A bridging loan requires an extensive analysis as selling and purchasing times rarely align. The concerned property’s market value can vary, as the market conditions at the point of selling and purchasing can impact the net equity.

Interest rates for bridging loans typically range between 6-12% PA, depending on your equity position and lender. While higher than standard home loans, the short-term nature (usually 6-12 months) means the overall cost is manageable when compared to the opportunity cost of losing your perfect property or selling under pressure.

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A bridging loan –

Allows you extra time so you can sell your property comfortably.

Enables you to capitalise your interest while you are waiting to sell your property.

Lets you purchase your dream home without having to sell your current one first.

Eliminates the stress of temporary accommodation or storage costs.

Gives you negotiating power as a cash buyer, often securing you better purchase prices.

Provides access to auction purchases that require unconditional offers.

Ready to explore your options?

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Bridging Loan Eligibility

What Determines Your Eligibility for a Bridging Loan in Australia

Your home equity

When deciding how much they may offer you, lenders will look at the equity in your existing house. The maximum amount you can borrow and your eligibility for a short-term bridging loan are both influenced by the equity in your current residence.

Serviceability of your loan

When assessing your borrowing capacity, lenders will evaluate your ability to manage the loan responsibly by considering your income, expenses, and existing debts.

With or without End Debt

When requesting bridging financing, the majority of lenders want an End Debt. Nevertheless, the costs for your bridging loan can be larger if there won’t be an End Debt, such when you’re selling your house.

Maximum End Debt

Your new property’s worth cannot be greater than your existing debt. You can be required to pay Lender’s Mortgage Insurance (LMI) if your End Debt exceeds 80% of the value of your new home.

Sale contract for existing property

As a requirement for approval, lenders could ask for proof that your present property has been sold, such as a copy of the sale contract.A bridging loan requires careful consideration, as selling and purchasing timelines rarely align. The fluctuating market conditions determine property values, impacting your available equity. However, bridging finance offers a strategic advantage for those property buyers seeking flexibility and speed.

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For Bridging Loan, you are choosing VOXFIN for

Bridging finance has become a popular option across Melbourne, Sydney, and major Australian cities. With median property settlement periods extending to 60-90 days and buyer demand growing stronger, more Australians are turning to bridging loans, so they do not miss out on their ideal property.

Maximising your Borrowing Power

Internally negotiated lowest interest rate

The best bridging loan mortgage broker in Australia will guide you throughout

Our clients’ high satisfaction ratings made us Australia’s best home loan mortgage broker

Frequently Asked Questions (FAQ)

Questions and queries related to Bridging Loans

WHAT IS A BRIDGING LOAN?

A Bridging Loan provides you with the funds to purchase a new home now while you work on selling your old one within a ‘bridging’ period of either 6 or 12 months, commencing from when you settle your new property.

CURIOUS ABOUT HOW A BRIDGING LOAN WORKS?

The bridging loan combines the loan for your current home with the loan for your new home. This arrangement lasts until you sell your old home. When you sell it, the proceeds go towards paying off the loan, which then becomes a standard variable home loan for your new property.

ARE YOU ELIGIBLE FOR A BRIDGING LOAN?

Bridging Loan is available to customers who are selling their existing owner-occupied or investment property to purchase a new owner-occupied property. The new purchase must be owner-occupied.

How do bridging loans work?

A bridging loan provides short-term finance, typically 6-12 months, secured against your existing property. This allows you to purchase a new property even before selling your current one. You repay the loan and refinance to a standard home loan once your existing property sells.

What are the interest rates for bridging loans?

Typically, bridging loan rates range from 6-12% PA, higher than standard home loans due to the short-term nature and increased risk. However, the cost is manageable given the brief loan period.

How much can I borrow with a bridging loan?

Most lenders offer up to 80% LVR across both properties combined. The exact amount depends on your existing equity, the value of both properties, and your ability to service both loans. Contact us to know more.

LOOKING TO SELL YOUR OLD HOME? WONDERING HOW MUCH TIME YOU HAVE TO MAKE IT HAPPEN?

Whether you prefer a 6-month sprint or a leisurely 12-month marathon, you have the flexibility to choose your bridging period for selling your home.

WHAT EXACTLY IS THE BRIDGING PERIOD?

The bridging period refers to a period of 6 or 12 months, chosen by you, to bridge the time between settling your new home (now) and selling your old one (later).

Do I need to make repayments during the bridging period?

Typically, interest is capitalised (added to the loan), so you do not have to make monthly repayments during the bridging period. You repay the full amount only after your existing property sells.

What happens if my property does not sell in time?

While most bridging loans have terms of 6-12 months, they give you enough time to sell. If needed, extensions may be available, though additional fees may apply. We help you create realistic timelines from the start.

Can I get a bridging loan if I am self-employed?

Absolutely. We work with lenders experienced in helping self-employed clients with varied income structures.

Why choose us?

We understand the importance of earning your trust in the guidance provided by the mortgage experts at VOXFIN. We can assist you with bridging loans as well as all other financial lending needs, such as refinancing home loans, car loans, commercial loans, and insurance.

Additionally, we can assist with organising financing to start or grow your business and fund your assets. Our services for finding the right home loan are free of charge to you. Once your loan is settled, the lender compensates us.
About Us

VOXFIN’s expert bridging loan brokers are here to help you with all types of financial needs. We simplify the loan process and provide the right information and guidance so you can make sound investment decisions.

We assist Australians throughout the nation. We work with over 40+ lenders in Australia to bring you the best loan option with the lowest interest rate and the most appropriate home loan structure to grow your property portfolio.

About Us

Australians have trusted us as expert home loan mortgage brokers for all types of their loans and mortgage needs such as first home buyer loans, refinancing home loans, agribusiness loans, business loan brokers, commercial loan brokers, car loan brokers, asset and equipment finance brokers, SMSF property loans, property development finance brokers, business car loan brokers, bad credit score lenders, medical professionals’ loans, personal loan brokers, and many more to help them find the suitable loans to finance their property dreams.

About Us

Get a Free Consultation

info@voxfin.com.au

03 70652000|0435 393 623

At VOXFIN, we are committed to being with you at every step in your home loan process. We keep your best interests ahead of everything by providing comprehensive solutions powered by our solid industry expertise and deep financial knowledge. This ensures you can make an informed decision with confidence, knowing that you have our full support.

Our streamlined home loan borrowing process is designed to alleviate the stress of navigating the complexities of finding the best home loan solution. We’re here to secure the lowest interest rates on your owner-occupied home loan or investment property loan, making the process as smooth and convenient as possible for you.

What Our Customers Say

Gurdeep Kumar at VOXFIN is a great professional and has deep financial knowledge. He helped me purchase my property under an SMSF. Gurdeep is an expert in SMSF property loans. As an investor, I know SMSF property loans are a lengthy process. From start to settlement, the process was well-informed. Highly recommend Gurdeep Kumar and it’s team at VOXFIN.

- Ketan Patel

Thanks to Gurdeep, He is an extra ordinary knowledgeable person with complete grip on ongoing market situations. I sought help from him and he has gone an extra mile.
Highly recommended.

- Haris Khan

VOXFIN is awesome! Gurdeep is super helpful and knows his stuff. He made the whole process simple and guided me step-by-step with great advice. He got me the lowest rate for my land and construction home in Brisbane. Highly recommend Gurdeep and VOXFIN for home loans and financial needs

- Maria Thomas

VOXFIN is the best! Gurdeep is friendly, knowledgeable, and made everything easy to understand. He got us an amazing rate for our land and construction home in Brisbane. Couldn’t have done it without him! Five stars all the way!

- Shino Varghese

Gurdeep at VOXFIN is fantastic! He helped me get a personal loan with the lowest interest rate, making the process smooth and stress-free. Gurdeep is quick, efficient, and highly professional. Highly recommend VOXFIN for personal loans in Melbourne!

- Aditya Mushnuri