Bridging Loan Calculator (Australia)
Free calculator for Australians buying before selling. Estimate your peak bridging debt, cash position after sale, and combined LVR instantly - plus how bridging loan interest and repayments actually work.
Enter Your Property Details
Your Estimated Results
Buy New Property
(Less Contribution)
$800,000
Sell Existing
Property
$2,000,000
Existing
Mortgage
$500,000
Estimated Principal Amount
$1,300,000
Your Cash After Sale
$700,000
Ready To Move Forward?
Get personalised advice from our bridging loan specialists
Book a strategy callWorked example
Say you're buying a $1,000,000 property with a $200,000 cash contribution, while your current $2,000,000 home still carries a $500,000 mortgage. Your peak bridging debt would be about $1,300,000 (the purchase shortfall plus your existing mortgage). Once your current home sells, you'd be left with roughly $700,000 in cash, at a combined loan-to-value ratio of about 43% across both properties during the bridge.
How to Calculate a Bridging Loan
A bridging loan calculation starts with your peak debt: the shortfall between your new purchase price (less any cash contribution) and the mortgage still owing on your current home. Lenders then compare that peak debt to the combined value of both properties - your loan-to-value ratio (LVR) - to check the bridge is serviceable. The calculator above works through those numbers instantly using your own figures, so you can see roughly where you'd land before speaking with a broker.
Bridging loan repayment calculator: how repayments work
Most Australian bridging loans don't require full principal-and-interest repayments on both properties at once. Many lenders let interest on the bridging portion capitalise (accrue onto the loan balance) until your existing home sells, so you're not juggling two full mortgages during the bridge. Others require interest-only repayments on the peak debt each month instead. Which option you get depends on your lender, your serviceability, and how long the bridge is expected to run - confirm the exact repayment structure with your broker before signing anything.
How bridging loan interest is calculated (capitalised vs interest-only)
Capitalised interest means the interest on your peak debt is added to the loan balance each month rather than paid in cash, so the balance (and the interest calculated on it) grows a little until your sale settles. Interest-only means you pay the monthly interest amount directly and the loan balance itself stays flat. Capitalised structures are common for owner-occupiers on a short bridge, since they free up cash flow during a stressful period; interest-only can suit borrowers who'd rather avoid a growing balance. Either way, that interest is calculated on the peak debt figure the calculator above estimates for you.
What does a bridging loan cost?
Beyond interest on the peak debt, expect an establishment fee, a valuation fee on both properties, and your usual settlement costs (conveyancing, discharge fees on your existing loan). Interest rates on bridging finance are usually a little higher than a standard variable rate, reflecting the short-term, higher-LVR nature of the facility. Because pricing varies significantly by lender and by how quickly you expect to sell, get a personalised comparison rather than relying on a rule of thumb - our brokers compare bridging products across 40+ lenders to find the right structure for your situation.
Bridging Loan Calculator FAQs
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What You Need
To Know
Up to 12 months to sell
You'll have plenty of time to prepare your current home for sale without the pressure. Most lenders give you 6-12 months from settlement.
Borrow based on both properties
Typically up to 80% of your new home's value, taking into account the equity in your current property. No need for lenders mortgage insurance in most cases.
Interest-only during the bridge
You'll only pay interest while the bridging loan is active. Once you sell your current home, the loan converts to a standard home loan or gets paid off.
Move in sooner
Secure your dream home without waiting for your current property to sell. Avoid the stress of temporary accommodation or storage.
Why Choose Stryve For Your Bridging Loan?
We are not just another broker. We are specialists in bridging finance with a track record of getting deals done.
We compare 40+ lenders
Not every lender offers bridging finance. We'll find you the right one with competitive rates and terms that suit your situation.
Clear on all the costs
No surprises. We'll walk you through interest costs, fees, and what happens if your sale takes longer than expected.
Fast pre-approval
Get pre-approved quickly so you can bid at auction or make an offer with confidence. We know what matters when you've found the right home.
Support from start to settlement
Bridging loans can feel complex, we're with you every step. One broker, one point of contact, zero stress.
Experience with complex scenarios
Self-employed? Investment property? Unusual property? We've helped hundreds of Australians navigate tricky bridging situations.
What our customers
say about us
“Nate and Dylan were extremely helpful in helping us secure our new home. They were easy to contact from day one, and answered any questions we had. We felt reassured at all times and are very grateful for their patience with us. I have recommended Stryve to 3 friends now who have all been successful in achieving their goals of purchasing their homes. We are so happy with the service and will definitely keep on recommending Stryve to our family and friends.”
Whitney Tran
Homeowner
“I never had a problem with Dylan. From the start of our journey on mortgage til the very end and even with refinancing, he/they were very helpful, transparent, honest and really keen to help their clients! Highly recommended.”
Cristianne Del Valle
Homeowner
“On behalf of my husband and I, we would like to truly thank Dylan Bertovic for all his assistance in helping us with our new loan - approved in time before our settlement. Dylan worked above and beyond expected. He took the time to explain every step and process with us. Any questions we had, Dylan would go out of his way to ensure they were answered. He made the process stress free and ensured we got the best possible deal. We highly recommend Dylan to all our family and friends.”
Merna Yalda
Homeowner
“Nate is great to work with, very knowledgeable, responsive and genuinely invested in helping me find the right solution. Highly recommend this firm to anyone looking for reliable, competitive and professional brokerage services.”
Julia
Homeowner
“Dylan has not only been a longtime friend, but also the trusted mortgage broker of choice for my family. He answers the phone at all hours, communicates extensively through all steps of a sometimes-complicated process and manages my risk. He has a straight to the point approach which I appreciate. Simply gets the job done, and gets it done very quickly. Thanks for everything Dylan, you're a champion broker and a good mate.”
Christian Barać
Homeowner
“Nate and Dylan were the ultimate professionals in securing a home loan to help us purchase our first home! Following the purchase of our home, they have continued to provide their exceptional service and have been able to secure two rate reductions in six months! Being self-employed wasn't an issue for me as Nate knew the process back-to-front and was able to provide sound advice throughout the application process.”
Justin Tomas
Homeowner
“It was an absolute brilliant experience with Stryve. Our first purchase was with Dylan he was always clear re: the next steps, quick to respond, never tired of questions and went over and above with communication. We went back and used him again for our next investment and the experience was just as wonderful as the first. Stryve also reviews our loans every 6 months to make sure we are getting the best rates on offer. We couldn't ask for more!”
Amber Motii
Homeowner
