Move First Finance › What happens if my home does not sell in time?

What happens if my home does not sell in time?

If your current home does not sell within the bridging period, the loan can become more expensive, and you may need to reduce the price, extend the loan if the lender allows, or restructure. This is the main risk of bridging.

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

Why this matters

This is the scenario to plan for before you bridge. A home that lingers unsold leaves you carrying peak debt longer, with interest building. Lenders may grant an extension, but not always, and a price reduction is often the practical fix. Pricing your home realistically from the start, and having a backup plan, is the best protection.

The key points

The loan can become more expensive.
You may need to reduce the price or restructure.
Extensions are possible but not guaranteed.
This is the main risk to plan for.

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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.