Finance One Bridging Loans

Found your next home but haven’t sold your current one? A bridging loan from Finance One can help cover the gap. With flexible options, fast assessments and support throughout the process, we make it easier to transition from one property to the next.

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Flexible bridging loans designed for real life timing

Our bridging finance loans are designed for homeowners who want to move forward without the stress of perfectly timing their sale and purchase dates. We’ll guide you through how a bridging loan works, what repayments might look like, and how to make the transition as smooth as possible.

Why choose a bridging loan with Finance One?

Secure your next home before selling
Cover your purchase settlement with short-term finance
Choose interest-only or capitalised interest repayments during the bridging loan term. Capitalised interest increases the loan balance and total cost of credit.
Clear, flexible terms with no surprises

What can I use a Finance One bridging loan for?

Our flexible home loans and bridging finance options can support a wide range of needs, including:

• Buying a home

• Bridging the time gap between a purchase and the sale of property

• Whether you’re upgrading, downsizing or investing, our team will take the time to understand your goals and find the best possible solution.

Key Features:

Bridging Loans up to $2,500,000*
Residential properties
Owner occupied purchase
Interest Only
Maximum Loan to Value ratio (LVR) 80%
Monthly payments or interest capitalised
Loan term up to 12 months

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Fees

At Finance One, we understand that each borrower’s circumstances are different. Below is a summary of the key fees and charges that may apply to your Home Loan or Bridging Loan^. These fees may differ based on your loan type, the amount you borrow, your loan to value ratio, and your individual circumstances. At Finance One, we believe in transparency, and all fees and charges are clearly listed in your loan contract.

Fees	Finance One (ex GST)
Application Fee	From $1495
Valuation fee*	Included in the Application Fee (where the security property is located in a metropolitan location and is below $2.0m in value)
Monthly Account Keeping Fee	$15
Loan Discharge fee	$495
Redraw Fee	$50
Loan Variation Fee	$100
Missed Payment Fee	$22
Default Notice Fee	$22

*A valuation fee may be payable where the anticipated security property value is >$2.0m, or where the security property is in a regional location, or for second or additional securities. An internal Risk Fee may also apply to a loan at establishment, depending on the LVR and security location.

How to apply for a Finance One bridging loan

Step 1 - Submit an Enquiry

Start your application online and one of our lending team will contact you to discuss your goals.
Step 2 - Personalised Review

We’ll take a close look at your application and your financial profile, without just focusing on your credit score.
Step 3 - Move Ahead with Real Support

Once approved, you can move forward with your purchase, refinance, or bridging solution knowing you are supported by a real team who cares.

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Frequently Asked Questions

What is a bridging loan

A bridging loan provides short-term finance to help you buy a new property before selling your current one. It’s designed to cover your home finance needs between settlements.

How does a bridging loan work?

Your bridging loan covers the cost of your new property, and once your current property sells, the loan is repaid or converted into a standard home loan.

What are bridging loan interest rates?

Bridging loan interest rates vary depending on your loan amount, property value, credit history and overall financial position. We’ll provide a clear rate estimate so there are no surprises.

Do you help people with past credit issues?

Yes. We take a flexible and fair approach to understanding previous credit events. Our focus is on helping you move forward with confidence.

*Applications for credit subject to approval. Terms and conditions available on application. Fees and charges apply.
^For all applicable fees and charges please see the Finance One Fees and Charges (PDF) and your letter of offer.

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