Bridging Finance

Buy your next home before selling your current one!

Looking to buy your next home before you’ve sold your current one? FYX Finance offers flexible bridging loans that let you move when the moment is right—not when the market says so.

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What Is a Bridging Loan?

A bridging loan is a short-term finance solution that helps cover the gap between buying a new property and selling your current one. It’s designed for homeowners who don’t want to miss out on their next ideal property but haven’t yet finalised the sale of their existing home.

This type of bridging finance ensures you don’t have to juggle temporary housing, rushed sales, or rigid timelines. Instead, you move with clarity—and confidence.

Who Bridging Finance Is For

Our bridging finance options are tailored for:

Homeowners upgrading or downsizing

Moving to a new home? We make the transition smooth and simple.

Families needing to secure a new residence before listing

Find your next home before selling your current one with ease.

Buyers building a new home while living in the current one

Finance your new build without disrupting your current living situation.

Investors transitioning between properties

Upgrade or switch properties efficiently while keeping your investments on track.

Whether you’re after more space or a simpler lifestyle, bridging loans give you the breathing room to plan smartly—not scramble.

Key Features of FYX Finance Bridging Loans

Up to 100% of the new property’s value plus associated costs

Capitalised interest available to ease short-term cash flow

Flexible loan terms, typically up to 12 months

LTV bridging loans assessed based on your equity and serviceability

Option to include expenses like stamp duty, legal and selling fees

Dedicated loan support that actually talks to you—not at you

How Does a Bridging Loan Work?

Here’s how it plays out:

We take over your current home loan and fund the purchase of your new property.
The total amount borrowed is called the Peak Debt—this includes your existing mortgage, new purchase costs, and expenses like stamp duty.
You can choose to capitalise interest, meaning you won’t make repayments until your existing home is sold.
Once sold, the proceeds reduce your loan, and what remains is your End Debt—a standard home loan going forward.

So, how does a bridging loan work? It’s a short-term cushion, backed by strategy, that transitions into a long-term mortgage without disrupting your goals.

Bridging/Relocation Loan

Borrower

Individual Borrower (SMSF not applicable)

Maximum LVR

80% Full Doc, 70% Lo Doc of the combined value of the properties at the peak debt

Maximum Loan Term

Maximum of 6 months for purchase of property (12 months available with 1% rate loading on the Flex product)
Residual loan portion, max 30 year loan term from settlement of the purchase
Standard Prime product max peak debt: $2 mil
Flex Product Max peak debt: $3.5 mil

Structure

Transitional (Bridging) loans are provided to eligible borrowers to assist in the purchase of a new home (Owner occupied and investment), either through the purchase of an existing property or the construction of a new home while, providing funding for the existing owner occupied property for a maximum of 12 months.

Borrowers make monthly repayments (interest only) for the loan supporting the original property (the transitional portion). Interest is capitalised to the loan supporting the acquisition of the new property (the residual portion) for the term of the transitional portion.

Initial Debt is the amount the customer requires in order to settle (and refinance if applicable) on the new purchase.

Peak Debt is the initial debt plus 6 months interest. Max peak debt including the interest will be 80%.

End Debt is the amount, which will remain after the sale of the property (partial discharge). Nil End debt option available (Subject to pricing)

Income

PAYG Income
Same as Prime Full Doc
Self Employed Income
Same as Prime Full Doc

Securities

Unacceptable Securities

Vacant land and properties with DA potential
Construction Bridging is available on case by case basis

Maximum LVR

80%

Loan Type

OO P&I, OO IO, INV P&I, INV IO (IO 5 years max)

Loan Features

100% offset, Visa Debit card and up to 10 offset per loan

Loan Term

30 years

What Can You Use a Bridging Loan For?

Buying your next family home

Building while living in your current house

Transitioning between investments

Downsizing for lifestyle or financial freedom

With us, it’s not just about funding a purchase—it’s about unlocking possibilities.

Types of Bridging Finance

At FYX Finance, we’re here to give you bridging finance options that reflect your situation—not just a generic set of checkboxes. Whether your path is already mapped out or still unfolding, we’ll help you find the loan that supports your move—with clarity, flexibility, and real support.

There’s no one-size-fits-all when it comes to bridging loans. Your financial situation, timeline, and goals are unique—and so are the solutions we offer. At FYX Finance, we provide several types of bridging finance tailored to real-life needs. Here’s how each option works:

Closed Bridging Loans

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Closed bridging loans are designed for borrowers who already have a signed contract for the sale of their existing property, with a known settlement date. This structure provides lenders with a clear repayment plan, which often means more favourable interest rates or loan terms.

This type of bridging finance works well if:

Your current home is sold and settlement is locked in
You want to finalise the purchase of your next property without delay
You need short-term funding with lower risk and tighter timing

Because the timeline is predictable, closed bridging loans often offer more straightforward approval pathways and a defined repayment period—usually aligning with the settlement date of your existing home.

Open Bridging Loans

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Open bridging loans are ideal when you’re buying a new home but haven’t yet sold—or even listed—your current one. This flexible finance option supports those who want to secure the right property first, before dealing with the market conditions and logistics of selling.

Choose an open bridging loan if:

You’re ready to purchase but need more time to sell
You’re still preparing your current property for market
You value flexibility and breathing room over firm deadlines

While open loans give you more freedom, they can come with slightly higher rates or more detailed lender scrutiny. That said, FYX Finance helps structure these loans to keep your financial stress low and your path forward open.

LTV Bridging Loans

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Loan-to-Value (LTV) bridging loans are structured around the value of the new property and the equity in your current one. The LTV ratio helps determine how much you can borrow relative to the combined property values—factoring in your Peak Debt and eventual End Debt.

LTV loans may suit you if:

You have significant equity in your current property
You need to borrow up to or near the full purchase price of your new home
You want clarity on how your loan aligns with property values and risk thresholds

With FYX Finance, we walk you through how LTV ratios impact your eligibility and borrowing power. If your End Debt ends up being more than 80% of the value of your new home, you may also need to consider Lender’s Mortgage Insurance (LMI)—but don’t worry, we’ll explain what that means for your bottom line.

What You’ll Need to Apply

Applying is simple—but personalised. Here’s what you’ll typically need:

Current property value and mortgage details

New property contract (or intended purchase plan)

Income, assets, and liabilities overview

Evidence of your plan to sell

Any existing loan statements

Let's move forward together

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FYX Finance: Built for Borrowers Who Think Ahead

We’re not just about getting a loan approved—we’re about getting the right loan for where you’re headed next.

Independent mortgage manager with access to a wide lender network

Non-bank flexibility and private lending pathways

Deep knowledge of commercial markets and business borrowing

Personalised support from first inquiry through to settlement and beyond

Ready to Take the Next Step?

Our lending experts work with you to identify the best bridging finance options based on your equity, income, and timeline. Need flexibility? We’ll explore interest capitalisation. Want to reduce future repayments? We’ll help you structure smartly.

Avoid rushed sales. Secure your next move. Talk to a lending expert who listens.

Because life moves fast—and so can you, with the right support.

Start your bridging loan journey with FYX Finance today