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What Is A Bridging Loan?
A bridging loan is a short-term financial tool designed to cover the gap between buying your new property and selling your current one. Instead of waiting for your old home to sell and risking the loss of your dream house, this facility provides the immediate funds needed to secure your purchase today.
Think of it as a safety net that separates your buying timeline from your selling timeline. It gives you the freedom to move into your new home first, then sell your old property on your own terms, without the stress of aligning two settlement dates perfectly.
5 Simple Steps To Apply For A Bridging Loan
Applying for a bridging loan through Stryve is straightforward.
Assessment & Strategy
We analyze your equity and exit strategy to structure the loan correctly. We then match you with the best lender for your scenario.
Formal Approval
Your loan is approved. You now have the funds secured to make an unconditional offer or bid at auction with total confidence.
Buy & Move In
Settlement happens on your new home first. You pick up the keys and can move in immediately—no temporary rental needed.
Sell Your Old Home
With your new property secured, you can now market and sell your existing home without the pressure of tight deadlines or rushed decisions.
Loan Finalized
Once your old home is sold and settled, the proceeds automatically pay off the bridging loan. Any remaining profit is yours to keep.
Real Example With Numbers
The Scenario: Current Home Value $1M · Existing Mortgage $400,000 · New Home $1,500,000
Peak Debt: $1,980,000
This is your total borrowing at purchase (New Home + Refinance + Costs). Interest is capitalised during the bridging period.
Sale Proceeds: –$1,000,000
When your current home sells, this amount is immediately used to pay down the Peak Debt.
Final Mortgage: $980,000
This is your only ongoing debt, a standard home loan on your new property.
Different Types of Bridging Loans
Bridging loans come in two main structures, and understanding the difference helps you choose the right option for your situation.
Fixed to match your specific sale settlement date.
Flexible with no set end date.
Fixed to match your specific sale settlement date.
Flexible with no set end date.
Borrowers who have already exchanged contracts.
Properties currently listed on the market but not sold.
Borrowers who have already exchanged contracts.
Properties currently listed on the market but not sold.
Typically lower due to high repayment certainty.
Slightly higher to account for added flexibility.
Typically lower due to high repayment certainty.
Slightly higher to account for added flexibility.
Repaid immediately upon settlement of your sale.
Valid for a maximum term of up to 12 months.
Repaid immediately upon settlement of your sale.
Valid for a maximum term of up to 12 months.
How Quickly Can You Get Approved?
Approval times depend entirely on the lender you choose. For urgent needs, see our fast bridging loans with settlements from 48 hours.
The Process
Requires full income verification, credit committees, and multiple department sign-offs. Suitable when you have ample time and prefer standard processes.
Best For
Buyers with 3+ months before settlement who want the absolute lowest rate and have zero urgency.
The Process
Streamlined assessment focusing on asset value. Direct access to decision-makers means approvals can be issued much faster.
Best For
Auction purchases, urgent settlement deadlines, or saving a deal that a bank has declined at the last minute.
What our customers
say about us
Don't just take our word for it. See what hundreds of satisfied clients across Sydney say about their experience with Stryve Finance.
“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
