← Home Loans & Finance
Bridging loans to buy your next home before you sell.
A bridging loan lets you buy your next home before you sell your current one. The lender funds both for a set period, usually 6 to 12 months, and once your old home sells, the proceeds bring it back to a normal home loan.
Best Interests Duty
60+ lenders compared
Reviews after settlement
In short:A bridging loan lets you buy your next home before you sell your current one. The lender funds both for a set period, usually 6 to 12 months, and the sale proceeds then bring it back to a normal home loan. Elephant Advisory compares bridging options across 60+ lenders for Melbourne movers.
Led by Gavin Hepponstall, Director & Head of Finance · Authorised credit representative (ACR 487962).
At a glance
60+
Lenders on our panel
BID
Best Interests Duty: we must act for you, not the bank
1 team
Broker and accountants under one roof
Our Values
Bridging finance with values that actually mean something
From the first numbers on peak and end debt to the day your old home sells, here's how we look after your move.
01
SAVINGS FIRST
We check whether you need bridging at all. A longer settlement or selling first can save thousands, and we'll tell you if that's the better path.
02
ASSESSMENT
Every bridging plan starts with your peak debt, your end debt and a realistic sale price and timeframe for your current home.
03
VARIETY
Bridging policies vary a lot, from how long you get to whether interest is capitalised. We compare options across our 60+ lender panel.
04
END-TO-END
From the purchase to the sale and the switch to a normal home loan, we manage the whole bridge so nothing falls through the gap.
05
SUPPORT
If your sale takes longer than planned, we talk to the lender early, not after the bridging period runs out.
TOP LENDERS WE WORK WITH
With over 60+ lenders on our panel, some you've never heard of.
As a mortgage broker, we are governed by our 'Best Interest Duty', which ensures that we are looking out for you, your needs and goals versus a banks bottom line.
What we help with
Bridging loan services that get you into your next home.
From the first numbers to the day your old home sells, we handle the finance side of your move.
01
Peak and End Debt
We work out what you'll owe while you hold both homes and what's left once you sell, so you know the final loan fits your budget.
02
Lender Comparison
Bridging terms differ: 6 or 12 months, capitalised interest or monthly repayments, and how your home is valued. We compare them across our panel.
03
Application and Settlement
We prepare the application, coordinate valuations and manage both settlements, so your purchase and your sale line up.
04
Building Your Next Home
Building? A bridging loan can let you stay in your current home until the new one is finished, usually with up to 12 months to sell.
05
Alternatives Review
Sometimes a long settlement, a deposit bond or using your equity is cheaper. We show you the options side by side before you commit.
06
Sale Support
If your sale is slower than planned, we talk to your lender about an extension early, before the costs build up.
The process
How it works
01
Free chat
Tell us where you are now and what you want to achieve.
02
Borrowing and lender comparison
We assess your borrowing power and compare suitable lenders.
03
Pre-approval and application
We handle the paperwork and keep your application moving.
04
Settlement and reviews
We stay in your corner, from settlement to regular loan reviews.
Our Solution
Buying and selling at the same time is stressful. It doesn't have to be.
The bridging challenges most movers face, and exactly how we handle them.
Without Elephant
Missing the right home while you sell
No idea what the bridge will cost
Two settlements to juggle
Not sure bridging is the right choice
Sale takes longer than planned
With Elephant Advisory
Buy now, sell with a clear plan
Peak and end debt worked out upfront
We coordinate both settlements
Bridging compared with every alternative
We talk to the lender early
“At Elephant Advisory, a bridging loan is a plan, not just a product. We set a realistic sale price and timeframe before you buy, so your move stays on track.”
Free tools
Run the numbers first
Your finance expert
Meet your broker
Gavin Hepponstall
Director & Head of Finance
Gav is the person you want in your corner when it comes to property finance. After years in banking and motor trade finance, he joined Elephant early and never looked back. He’s passionate about combining property and finance to help clients achieve their goals through tailored financial structuring, and he’s very serious about snacks at meetings.
FAQ
Let's clear a few things up.
No jargon, no runaround - just honest answers.
Peak debt is the total you owe while you own both homes. End debt is what's left once your old home sells and the proceeds come off. For example, owing $300,000 on a $1 million home and buying for $1.3 million gives a peak debt of about $1.67 million with costs, and an end debt of about $695,000 after the sale. Lenders mostly care that you can afford the end debt.
Usually up to 6 months if you're buying an established home, and up to 12 months if you're building. Some lenders offer more; it depends on the lender.
It depends on the lender. Many capitalise the interest on the bridging portion so you don't pay it monthly, but it still adds to your debt. Some require repayments on both loans.
The rate is only part of it. The real cost is interest on the peak debt for every month your old home is unsold: on $1 million of bridging debt at around 7%, that's roughly $5,800 a month. Bridging rates are often a little higher than standard variable rates, and there are application and valuation fees plus stamp duty on the purchase.
Talk to your lender early. Some will extend the bridging period; others will expect a price reduction or start charging higher repayments. That's why we set a realistic sale price and timeframe before you commit, not after.
It can be if your current home will sell readily and the end debt fits your budget. If the sale is uncertain, selling first or negotiating a long settlement of 90 to 120 days is usually safer.
Home Loans & Property
Read before you apply
How Much Can I Borrow on My Salary? (2026 Examples)
Rough borrowing power from $60k to $200k salaries in Australia, how banks work it out, and the small things that cut it.
How Lender Policies Affect How Much You Can Actually Borrow
Different lenders, different rules. Learn how lender policy shapes your borrowing capacity.
How to Increase Your Borrowing Capacity Quickly and Easily
The fastest way to lift your borrowing power is to review your debts. Which credit cards, loans and HECS to close, and which to keep as a buffer.
Related services
Find out what you can borrow, free.
Elephant Financial Pty Ltd (ABN 38 611 576 240) trading as Elephant Advisory is an authorised credit representative (ACR 487962) of Yellow Brick Road Aggregation Pty Ltd (formerly Vow Financial Pty Ltd) (ABN 66 138 789 161), Australian Credit Licence 390261.
Credit Guide
← Home Loans & Finance
Bridging loans to buy your next home before you sell.
A bridging loan lets you buy your next home before you sell your current one. The lender funds both for a set period, usually 6 to 12 months, and once your old home sells, the proceeds bring it back to a normal home loan.
Best Interests Duty
60+ lenders compared
Reviews after settlement
In short:A bridging loan lets you buy your next home before you sell your current one. The lender funds both for a set period, usually 6 to 12 months, and the sale proceeds then bring it back to a normal home loan. Elephant Advisory compares bridging options across 60+ lenders for Melbourne movers.
Led by Gavin Hepponstall, Director & Head of Finance · Authorised credit representative (ACR 487962).
At a glance
60+
Lenders on our panel
BID
Best Interests Duty: we must act for you, not the bank
1 team
Broker and accountants under one roof
Our Values
Bridging finance with values that actually mean something
From the first numbers on peak and end debt to the day your old home sells, here's how we look after your move.
01
SAVINGS FIRST
We check whether you need bridging at all. A longer settlement or selling first can save thousands, and we'll tell you if that's the better path.
02
ASSESSMENT
Every bridging plan starts with your peak debt, your end debt and a realistic sale price and timeframe for your current home.
03
VARIETY
Bridging policies vary a lot, from how long you get to whether interest is capitalised. We compare options across our 60+ lender panel.
04
END-TO-END
From the purchase to the sale and the switch to a normal home loan, we manage the whole bridge so nothing falls through the gap.
05
SUPPORT
If your sale takes longer than planned, we talk to the lender early, not after the bridging period runs out.
TOP LENDERS WE WORK WITH
With over 60+ lenders on our panel, some you've never heard of.
As a mortgage broker, we are governed by our 'Best Interest Duty', which ensures that we are looking out for you, your needs and goals versus a banks bottom line.
What we help with
Bridging loan services that get you into your next home.
From the first numbers to the day your old home sells, we handle the finance side of your move.
01
Peak and End Debt
We work out what you'll owe while you hold both homes and what's left once you sell, so you know the final loan fits your budget.
02
Lender Comparison
Bridging terms differ: 6 or 12 months, capitalised interest or monthly repayments, and how your home is valued. We compare them across our panel.
03
Application and Settlement
We prepare the application, coordinate valuations and manage both settlements, so your purchase and your sale line up.
04
Building Your Next Home
Building? A bridging loan can let you stay in your current home until the new one is finished, usually with up to 12 months to sell.
05
Alternatives Review
Sometimes a long settlement, a deposit bond or using your equity is cheaper. We show you the options side by side before you commit.
06
Sale Support
If your sale is slower than planned, we talk to your lender about an extension early, before the costs build up.
The process
How it works
01
Free chat
Tell us where you are now and what you want to achieve.
02
Borrowing and lender comparison
We assess your borrowing power and compare suitable lenders.
03
Pre-approval and application
We handle the paperwork and keep your application moving.
04
Settlement and reviews
We stay in your corner, from settlement to regular loan reviews.
Our Solution
Buying and selling at the same time is stressful. It doesn't have to be.
The bridging challenges most movers face, and exactly how we handle them.
Without Elephant
Missing the right home while you sell
No idea what the bridge will cost
Two settlements to juggle
Not sure bridging is the right choice
Sale takes longer than planned
With Elephant Advisory
Buy now, sell with a clear plan
Peak and end debt worked out upfront
We coordinate both settlements
Bridging compared with every alternative
We talk to the lender early
“At Elephant Advisory, a bridging loan is a plan, not just a product. We set a realistic sale price and timeframe before you buy, so your move stays on track.”
Free tools
Run the numbers first
Your finance expert
Meet your broker
Gavin Hepponstall
Director & Head of Finance
Gav is the person you want in your corner when it comes to property finance. After years in banking and motor trade finance, he joined Elephant early and never looked back. He’s passionate about combining property and finance to help clients achieve their goals through tailored financial structuring, and he’s very serious about snacks at meetings.
FAQ
Let's clear a few things up.
No jargon, no runaround - just honest answers.
Peak debt is the total you owe while you own both homes. End debt is what's left once your old home sells and the proceeds come off. For example, owing $300,000 on a $1 million home and buying for $1.3 million gives a peak debt of about $1.67 million with costs, and an end debt of about $695,000 after the sale. Lenders mostly care that you can afford the end debt.
Usually up to 6 months if you're buying an established home, and up to 12 months if you're building. Some lenders offer more; it depends on the lender.
It depends on the lender. Many capitalise the interest on the bridging portion so you don't pay it monthly, but it still adds to your debt. Some require repayments on both loans.
The rate is only part of it. The real cost is interest on the peak debt for every month your old home is unsold: on $1 million of bridging debt at around 7%, that's roughly $5,800 a month. Bridging rates are often a little higher than standard variable rates, and there are application and valuation fees plus stamp duty on the purchase.
Talk to your lender early. Some will extend the bridging period; others will expect a price reduction or start charging higher repayments. That's why we set a realistic sale price and timeframe before you commit, not after.
It can be if your current home will sell readily and the end debt fits your budget. If the sale is uncertain, selling first or negotiating a long settlement of 90 to 120 days is usually safer.
Home Loans & Property
Read before you apply
How Much Can I Borrow on My Salary? (2026 Examples)
Rough borrowing power from $60k to $200k salaries in Australia, how banks work it out, and the small things that cut it.
How Lender Policies Affect How Much You Can Actually Borrow
Different lenders, different rules. Learn how lender policy shapes your borrowing capacity.
How to Increase Your Borrowing Capacity Quickly and Easily
The fastest way to lift your borrowing power is to review your debts. Which credit cards, loans and HECS to close, and which to keep as a buffer.
Related services
Find out what you can borrow, free.
Elephant Financial Pty Ltd (ABN 38 611 576 240) trading as Elephant Advisory is an authorised credit representative (ACR 487962) of Yellow Brick Road Aggregation Pty Ltd (formerly Vow Financial Pty Ltd) (ABN 66 138 789 161), Australian Credit Licence 390261.
Credit Guide
← Home Loans & Finance
Bridging loans to buy your next home before you sell.
A bridging loan lets you buy your next home before you sell your current one. The lender funds both for a set period, usually 6 to 12 months, and once your old home sells, the proceeds bring it back to a normal home loan.
Best Interests Duty
60+ lenders compared
Reviews after settlement
In short:A bridging loan lets you buy your next home before you sell your current one. The lender funds both for a set period, usually 6 to 12 months, and the sale proceeds then bring it back to a normal home loan. Elephant Advisory compares bridging options across 60+ lenders for Melbourne movers.
Led by Gavin Hepponstall, Director & Head of Finance · Authorised credit representative (ACR 487962).
At a glance
60+
Lenders on our panel
BID
Best Interests Duty: we must act for you, not the bank
1 team
Broker and accountants under one roof
Our Values
Bridging finance with values that actually mean something
From the first numbers on peak and end debt to the day your old home sells, here's how we look after your move.
01
SAVINGS FIRST
We check whether you need bridging at all. A longer settlement or selling first can save thousands, and we'll tell you if that's the better path.
02
ASSESSMENT
Every bridging plan starts with your peak debt, your end debt and a realistic sale price and timeframe for your current home.
03
VARIETY
Bridging policies vary a lot, from how long you get to whether interest is capitalised. We compare options across our 60+ lender panel.
04
END-TO-END
From the purchase to the sale and the switch to a normal home loan, we manage the whole bridge so nothing falls through the gap.
05
SUPPORT
If your sale takes longer than planned, we talk to the lender early, not after the bridging period runs out.
TOP LENDERS WE WORK WITH
With over 60+ lenders on our panel, some you've never heard of.
As a mortgage broker, we are governed by our 'Best Interest Duty', which ensures that we are looking out for you, your needs and goals versus a banks bottom line.
What we help with
Bridging loan services that get you into your next home.
From the first numbers to the day your old home sells, we handle the finance side of your move.
01
Peak and End Debt
We work out what you'll owe while you hold both homes and what's left once you sell, so you know the final loan fits your budget.
02
Lender Comparison
Bridging terms differ: 6 or 12 months, capitalised interest or monthly repayments, and how your home is valued. We compare them across our panel.
03
Application and Settlement
We prepare the application, coordinate valuations and manage both settlements, so your purchase and your sale line up.
04
Building Your Next Home
Building? A bridging loan can let you stay in your current home until the new one is finished, usually with up to 12 months to sell.
05
Alternatives Review
Sometimes a long settlement, a deposit bond or using your equity is cheaper. We show you the options side by side before you commit.
06
Sale Support
If your sale is slower than planned, we talk to your lender about an extension early, before the costs build up.
The process
How it works
01
Free chat
Tell us where you are now and what you want to achieve.
02
Borrowing and lender comparison
We assess your borrowing power and compare suitable lenders.
03
Pre-approval and application
We handle the paperwork and keep your application moving.
04
Settlement and reviews
We stay in your corner, from settlement to regular loan reviews.
Our Solution
Buying and selling at the same time is stressful. It doesn't have to be.
The bridging challenges most movers face, and exactly how we handle them.
Without Elephant
Missing the right home while you sell
No idea what the bridge will cost
Two settlements to juggle
Not sure bridging is the right choice
Sale takes longer than planned
With Elephant Advisory
Buy now, sell with a clear plan
Peak and end debt worked out upfront
We coordinate both settlements
Bridging compared with every alternative
We talk to the lender early
“At Elephant Advisory, a bridging loan is a plan, not just a product. We set a realistic sale price and timeframe before you buy, so your move stays on track.”
Free tools
Run the numbers first
Your finance expert
Meet your broker
Gavin Hepponstall
Director & Head of Finance
Gav is the person you want in your corner when it comes to property finance. After years in banking and motor trade finance, he joined Elephant early and never looked back. He’s passionate about combining property and finance to help clients achieve their goals through tailored financial structuring, and he’s very serious about snacks at meetings.
FAQ
Let's clear a few things up.
No jargon, no runaround - just honest answers.
Peak debt is the total you owe while you own both homes. End debt is what's left once your old home sells and the proceeds come off. For example, owing $300,000 on a $1 million home and buying for $1.3 million gives a peak debt of about $1.67 million with costs, and an end debt of about $695,000 after the sale. Lenders mostly care that you can afford the end debt.
Usually up to 6 months if you're buying an established home, and up to 12 months if you're building. Some lenders offer more; it depends on the lender.
It depends on the lender. Many capitalise the interest on the bridging portion so you don't pay it monthly, but it still adds to your debt. Some require repayments on both loans.
The rate is only part of it. The real cost is interest on the peak debt for every month your old home is unsold: on $1 million of bridging debt at around 7%, that's roughly $5,800 a month. Bridging rates are often a little higher than standard variable rates, and there are application and valuation fees plus stamp duty on the purchase.
Talk to your lender early. Some will extend the bridging period; others will expect a price reduction or start charging higher repayments. That's why we set a realistic sale price and timeframe before you commit, not after.
It can be if your current home will sell readily and the end debt fits your budget. If the sale is uncertain, selling first or negotiating a long settlement of 90 to 120 days is usually safer.
Home Loans & Property
Read before you apply
How Much Can I Borrow on My Salary? (2026 Examples)
Rough borrowing power from $60k to $200k salaries in Australia, how banks work it out, and the small things that cut it.
How Lender Policies Affect How Much You Can Actually Borrow
Different lenders, different rules. Learn how lender policy shapes your borrowing capacity.
How to Increase Your Borrowing Capacity Quickly and Easily
The fastest way to lift your borrowing power is to review your debts. Which credit cards, loans and HECS to close, and which to keep as a buffer.
Related services
Find out what you can borrow, free.
Elephant Financial Pty Ltd (ABN 38 611 576 240) trading as Elephant Advisory is an authorised credit representative (ACR 487962) of Yellow Brick Road Aggregation Pty Ltd (formerly Vow Financial Pty Ltd) (ABN 66 138 789 161), Australian Credit Licence 390261.
Credit Guide
Phone
OFFICE HOURS
Mon to Fri: 8.30am - 6.00pm
By appointment only.
Elephant Financial Pty Ltd (ABN 38 611 576 240) trading as Elephant Advisory is an authorised credit representative (ACR 487962) of Yellow Brick Road Aggregation Pty Ltd (formerly Vow Financial Pty Ltd) (ABN 66 138 789 161), Australian Credit Licence 390261.
Phone
OFFICE HOURS
Mon to Fri: 8.30am - 6.00pm
By appointment only.
Elephant Financial Pty Ltd (ABN 38 611 576 240) trading as Elephant Advisory is an authorised credit representative (ACR 487962) of Yellow Brick Road Aggregation Pty Ltd (formerly Vow Financial Pty Ltd) (ABN 66 138 789 161), Australian Credit Licence 390261.
Phone
OFFICE HOURS
Mon to Fri: 8.30am - 6.00pm
By appointment only.
Elephant Financial Pty Ltd (ABN 38 611 576 240) trading as Elephant Advisory is an authorised credit representative (ACR 487962) of Yellow Brick Road Aggregation Pty Ltd (formerly Vow Financial Pty Ltd) (ABN 66 138 789 161), Australian Credit Licence 390261.