Move First Finance › What is bridging finance?

What is bridging finance?

Bridging finance is a short term loan that lets you buy your next home before your current one sells. It covers the gap by lending against both properties for a limited period, so you are not forced to sell first.

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

Why this matters

Bridging solves a common timing problem: finding the right new home before your current one has sold. Instead of missing out or making a rushed sale, a bridging loan funds the purchase and is repaid when your existing home settles. It is a short term tool with its own costs and conditions, so it suits specific situations rather than every move.

The key points

A short term loan to buy before you sell.
It lends against both properties for a period.
It removes the pressure to sell first.
A specific tool, not for every move.

Free, no obligation

See if moving first works for your situation

Answer a few quick questions and we can map your equity, peak debt and end debt across a panel of more than 70 lenders. No cost, no obligation.

Check Your Options

A few quick questions, no obligation.

What is your goal?

Buy a home or investment property First home, next home, or adding to your portfolio Build a house or develop land New build, renovation, duplex, or subdivision project Lower my current repayments Better rate, release equity, or restructure existing debt Finance an established commercial property Business premises or commercial investment asset

Tell us a bit more about the plan

How do you earn your income?

Standard salary or wage Full-time, part-time, or casual employment (PAYG) Self-employed or business owner Sole trader, company director, or contractor

How is your credit score?

This helps us match you to the right lender from the start.

Healthy No issues that I am aware of A few small marks A couple of late payments, now caught up Not sure, or it is complicated We work with specialist lenders for these situations

Last step. Where should we send your options?

Your information is private and we will never share it.

First Name

Last Name

Email Address

Australian Mobile Number

By submitting, you agree to be contacted by one of our team of licensed mortgage brokers. No obligation. No spam.

You're all set.

We've received your details. One of our friendly brokers will reach out within 1 business day to help guide you through your options.

More move first finance questions

Back to the full Move First Finance guide

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.