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 50+ 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 50+ 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
“We had a great experience with Dylan and the team. Very professional and they took care of everything. We will definitely go through Stryve in the future.”
Carrissa Huisman
Google review, 27 Oct 2026
“Best in the business! Dylan and the team made getting my home loan simple and stress-free. They were attentive, responsive, and always kept me in the loop. Highly recommend!”
Zeki Ismen
Google review, 22 Oct 2026
“The team is awesome. Douglas and Dylan, are very thorough and are generous with their time to explore the best product that meets my needs and when they cover all the details, they follow through to the last details ensure the transaction is complete. They will also check after the issue is settled to see if any more support is needed. Simply A service. Best wishes and am sure where to go fir my next mortgage or financial advice.”
Emil
Google review, 13 Oct 2026
“Dylan and his staff have been fantastic, they have made the process very easy and stress free. They walk through everything with you from start to finish and guide you to the best options. Thank you guys much appreciated”
Paul Coleiro
Google review, 22 Sept 2026
“Dylan and the Stryve Team have been so amazing during our search for a first home. Dylan was so communicative, patient and knowledgable and kept us updated throughout the whole process. I can’t recommend them enough!”
Michael O'Malley
Google review, 30 Aug 2026
“My partner & I have had a fantastic experience with Stryve Finance. Dylan and Douglas were incredibly helpful, responsive and supportive throughout the entire process. We’re very grateful for their help and would highly recommend Stryve to anyone looking for a reliable and knowledgeable mortgage broker.”
Tanvi Mara
Google review, 19 Aug 2026
“Dylan and the team at Stryve are exceptional. He made the process so easy to understand and helped secure the loan I was after. A special mention to how efficient the team are and can move things really quickly when needed. Can’t thank them enough for everything they’ve done. Strongly recommend if you’re looking for a first class mortgage broker!”
JAMES HARVEY
Google review, 18 Aug 2026
