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Bridging Loan

Adelaide Bank bridging finance1 is available as part of the 100% offset loan and comes with great features that make buying before selling as simple as possible.

Key features

Interest capitalised until existing home sold (max of 6 months).

Available for new and existing customers.

Loan servicing calculated on the end debt you have once your home is sold.2

Exclusively available on variable rate option.

100% offset facility that can help save on interest while paying down your loan quicker.

Suitable for owner occupiers and investors.

How you'll benefit

A bridging loan allows you to buy before you sell, when the timing and market suits you. 

Avoid renting when between homes to help reduce stress and additional costs.

What you'll need

  • The amount you’d like to borrow (our borrowing calculator can help)
  • Your assets, including estimated values
  • Your liabilities, including credit limits
  • Your gross income
  • The approximate value of any property offered as security
  • Your deposit amount
  • The equity you have in your home


Principal and interest for owner occupied or investment purposes.

Make extra payments without penalty.

Things to consider

When deciding whether a bridging loan is right for you, here’s some things to consider:

  • Not everybody is eligible for a bridging loan, so before you commit make sure you speak with us or your broker;
  • To be eligible you must be sure you can make repayments on both your existing loan and the bridging loan;
  • You aren't required to make payments on the bridging loan within the bridging period. This interest capitalised up to 6 months and added to the loan balance, which means you will pay interest on this interest;
  • If you chose to make extra repayments during the bridging period, there is no access to a redraw facility and you will not be able to access those funds later;
  • It is important you understand the market and are confident that you can sell your home and pay down the bridging loan within your agreed term of up to 6 months. If you don't sell your home, when the bridging period ends you will be required to make repayments on both the existing home loan and new home loan;
  • You may need to hold savings to ensure you can cover all repayments during the bridging period;
  • If you're approved for a bridging loan, during the term you may need to manage multiple repayments during the bridging period;
  • You may sell your current property for less than you expected, which will leave you with a higher loan balance than anticipated.

Things you should know

1Bridging finance is only available where the loan to value ratio (LVR) is less than 80% inclusive of Lender's Mortgage Insurance (LMI).

2Loan servicing is only calculated on the end debt, where an unconditional contract of sale is held.

#Repayments can be determined after a conversation with a lender/broker/expert around what the loan purpose is and if you meet the criteria for income/affordability, like any other loan application. 

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Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples of this nation and the Traditional Custodians of the land where we live, learn and work. We pay our respects to Elders past and present as it is their knowledge and experience that holds the key to the success of future generations.

Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.
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