Bridging Loans

Strategically planning your next move

What are bridging loans?

A bridging loan is a short-term finance solution that allows you to purchase a new property before you’ve sold your current one. It’s designed to “bridge the gap” between two transactions, providing you with the financial flexibility to secure your new home without the rush of waiting for your current property to sell. This solution gives you the breathing room to make your move on your own terms — without the pressure of tight timelines or missing out on your ideal property.

Why might I need one?

You may benefit from bridging finance if:

You’ve found your next home but haven’t yet sold your current one.
Relocating, upsizing, or downsizing.
Dealing with delays in settlement between two properties.
Building your dream home and need help bridging the gap until your current home is sold

Common questions about bridging loans

How does a bridging loan work?

It gives you access to the funds you need to purchase your new property, using the equity in your existing home as security. Once your current property sells, the loan is reduced or fully repaid.

Can I make interest-only repayments during the bridging period?

Yes, most lenders offer interest-only repayments during the bridging term. This helps ease financial pressure while you’re transitioning between properties.

How long can I have a bridging loan for?

Bridging terms are typically between 6 to 12 months, but some lenders offer terms of up to 24 months, depending on your situation and strategy.

Does bridging finance cost more than a standard home loan?

Bridging loans can have slightly different fee structures and repayment conditions, but with the right guidance and planning, they can be a smart and manageable option. We’ll help you compare and structure the most suitable solution for your needs.

Every property journey is unique, and bridging finance isn’t one-size-fits-all. We take the time to understand your goals, timelines, and financial needs, ensuring a streamlined process whether you’re buying, building, or transitioning. We’ll handle the coordination with agents, solicitors, and lenders so you can focus on what’s next — with clarity and support from start to finish.

Gold Coast Wealth Pty Ltd ABN 55 677 524 551 Credit Representative 559826 is authorised under Australian Credit Licence 389328. Disclaimer: Document provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal; tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Subject to lenders credit assessment with terms and conditions, fees and charges and eligibility criteria apply.

Construction Lending (QLD)

Building your dream home is exciting — but managing the process between the bank, builder, and solicitor can quickly become overwhelming. That’s where having a broker on your side makes all the difference. At GC Wealth, we specialise in construction finance and house & land packages. We take the pressure off by streamlining communication and making sure every moving part is managed efficiently.

Refinancing

Your home loan is one of your most significant financial commitments, and ensuring it remains aligned with your needs is essential. Over time, market conditions change, and your personal circumstances evolve—what was once the right loan for you may no longer be the best fit. Refinancing can offer the opportunity to optimise your mortgage, improve cash flow, and implement strategies to reduce your loan term and overall interest payable.

Pre-approval

Buying a home or investment property? The first step is securing a pre-approval! This crucial step provides clarity on your borrowing power, helping you set a realistic budget and giving you a competitive edge when making offers. With GC Wealth, the process is structured and tailored to your needs, ensuring you have the right financial foundation to move forward with confidence. Our team takes the time to assess your situation, provide insights, and connect you with the best lending options available—so you can focus on finding your ideal property.

Why choose us

At GC Wealth, we create tailored finance strategies to help you build wealth and achieve long-term financial security. With extensive mortgage broking experience, we provide lending solutions that fit your goals now and in the future. Specialising in SMSF lending, residential, first home buyers, investors, commercial, and development finance, we guide you every step of the way. Let’s build a strategy that moves you forward with confidence.

Borrowing capacity

Your borrowing capacity plays a key role in securing a home loan, as it determines how much a lender may offer you and helps you set a realistic property budget. Knowing your borrowing power upfront allows you to focus your search on homes within your financial reach and gives you confidence during negotiations. At GC Wealth, we simplify this process by guiding you through each step, ensuring you have the clarity and knowledge to make informed decisions.

SMSF Loans

A Self-Managed Super Fund (SMSF) is a private super fund that gives members full control over their retirement investments. Unlike retail or industry super funds, an SMSF allows investment in property, shares, term deposits, and more, following ATO regulations.

While SMSFs offer various investment options, this flyer focuses on SMSF property loans, a strategy that lets your superfund borrow to invest in real estate and grow long-term wealth.