Move First Finance › Do I make repayments during the bridging period?

Do I make repayments during the bridging period?

It depends on the structure. Some bridging loans let interest accrue or be capitalised onto the loan during the bridge, so you make limited or no repayments, while others require interest payments. The approach affects your end debt.

Written by Ross McFarlane, Licensed Mortgage Broker (Credit Representative 526725). About the author

Why this matters

Many bridging arrangements ease cash flow by letting interest build onto the loan rather than be paid monthly, which helps when you may also be managing two properties. The trade off is that capitalised interest increases your end debt. Knowing whether you pay as you go or at the end lets you plan, and a broker can explain your lender approach.

The key points

Some loans capitalise interest during the bridge.
Others require interest payments.
Capitalised interest adds to your end debt.
The structure affects your cash flow.

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Last reviewed: June 2026

General information only. This page provides general information about home loans and is not financial or credit advice, a quote, or a guarantee, and your personal circumstances have not been considered. Lending policies, interest rates, fees and eligibility vary by lender and change over time. Always confirm your own situation with a licensed mortgage broker or lender before acting. Ross McFarlane (Credit Representative 526725) is an authorised Credit Representative of Australian Associated Advisers Pty Ltd t/a Keylend, Australian Credit Licence 392169.