Move First Finance › How much equity do I need for bridging finance?

How much equity do I need for bridging finance?

You generally need enough equity in your current home that, after the new purchase, your end debt and peak debt sit within the lender limits. Strong equity makes bridging straightforward; limited equity makes it harder or more costly.

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

Why this matters

Equity is the foundation of a bridging loan, because it underpins both the deposit and the lender comfort with peak debt. The more equity you hold, the lower the risk and the easier the approval. With thin equity, lenders are cautious and the structure can get expensive. A broker can assess whether your equity supports bridging before you commit.

The key points

Equity underpins both deposit and lender comfort.
End and peak debt must sit within limits.
Strong equity makes bridging straightforward.
Thin equity makes it harder or costlier.

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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.