Smooth the Transition Between Selling and Buying

Buying a new home before you've sold your current one? A Bridging Loan can help you move forward with confidence. It gives you the financial flexibility to purchase your new property without waiting for your existing home to sell—helping you avoid rushed decisions or missing out on your dream home.

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What Is a Bridging Loan?

A bridging loan is a short-term finance solution that covers the gap—or "bridge"—between buying a new property and selling your existing one. It provides the funds you need to settle on your new home while giving you time to sell your current property.

Key Benefits

Buy before you sell

Avoid renting or moving twice

Flexible repayment

interest-only payments

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How It Works

Loan is approved to cover the purchase of your new home and the outstanding mortgage on your existing home

Bridging period begins—usually up to 12 months

Interest is calculated on the combined amount but you may only pay interest during this time

Once your existing home sells, the proceeds are used to reduce the loan balance

You then continue repayments on the remaining loan (the “end debt”)

Is a Bridging Loan Right for You?

You may benefit from a bridging loan if:

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Found new home before selling current

Want to avoid costs and hassle of temporary stay

Have enough equity in current home

Confident home will sell during bridging period

Expert Help When You Need It Most

Bridging finance can be complex, but you don’t have to navigate it alone. Our lending specialists will guide you through your options, assess your eligibility, and help structure a loan that suits your situation and timeline.

0433784366

info@jmloans.com.au

PO BOX 245, Deer Park 3023

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Need Help Bridging the Gap?

Get in touch today for personalised advice and a bridging loan solution that helps you move forward without the financial stress.