Bridging loans to 75% LVRstructure decided first, rate second
Bridging loans in Australia: typically $200k to $20m+ at up to 75%, over 3–12 months, settling in 3–14 days once security and entity documents are in hand. Finance that covers the gap between buying one asset and selling or refinancing another, with interest usually capitalised so there are no monthly repayments during the term.
- Clear LVR and exit terms upfrontWhat we bring
- Placed across banks and private lendersWhat we bring
- Low-doc options genuinely availableWhat we bring
Indicative terms in three minutes
Business-purpose and investment finance only. No credit check at this stage.
“Non-bank rates are too high”
We hear this constantly. The honest answer is that it depends on security, exit and documentation — which is exactly what the enquiry form asks — and that the lenders on our panel — banks, private lenders and specialist funds alike — price those three things, not the label on the borrower.
“What happens if I can't refinance at the end” — a fair concern, and one we address in writing before any application is lodged.
“Second mortgages sound risky” — a fair concern, and one we address in writing before any application is lodged.
Typical pain points: Bank serviceability caps won't stretch further; Portfolio too complex for one lender; Need equity out without selling; Full financials aren't ready in time; DTI limits ruling out the next purchase. What we bring: clear lvr and exit terms upfront, placed across banks and private lenders, low-doc options genuinely available.
How we work.
From the first call to the final drawdown, each step is led by a principal — not a queue.
Tell us the scenario
Purpose, amount, security and timeframe — the qualifier takes about three minutes and every answer maps to how our lender panel assesses bridging loans.
Indicative terms
A specialist reviews the scenario and comes back with an indicative structure, pricing range and the documents needed. Urgent scenarios get a call within minutes during business hours.
Credit and valuation
The lender assesses security, entity and exit. For bridging loans this is typically 3–14 days end to end.
Settlement
Solicitors settle, funds are released, and the deal is tracked to its exit in our CRM so refinancing or the next facility is ready before the term ends.
Questions we are asked.
Can I get a commercial property loan without full financials?
Yes, low-doc structures are available using BAS, bank statements or a declaration of income where full financials aren't ready or don't reflect the current trading position. Pricing and maximum LVR are typically more conservative than a full-doc facility, but the option is genuinely there for the right security.
What's the difference between a first and second mortgage for an investor?
A first mortgage sits ahead of all other debt against the property and generally carries the lowest pricing; a second mortgage sits behind an existing first, letting you access equity without disturbing that facility. Second mortgages typically carry a higher rate to reflect the subordinate position.
Can I pull equity out of a property I already own?
Often, yes, through a first or second mortgage depending on whether the existing facility needs to be disturbed. Lenders assess the current valuation, the existing debt, and what the equity will be used for, since this is business or investment-purpose lending rather than personal drawdown.
Is a bridging loan the right fit for buying before I sell?
It can be, where there's a credible exit through the sale of the existing property or a refinance once it settles. Bridging finance is priced and sized around that exit, so a clear timeline and a realistic sale value matter more here than in a standard purchase loan.
How high can LVR go on a private commercial mortgage?
It depends on the asset class, location and lender, but private first mortgages typically extend further than banks will go on a comparable asset, particularly where the exit is clear. We quote actual LVR once a lender has reviewed the specific property.
What happens if I can't refinance a bridging or short-term facility at maturity?
This is exactly what the exit assessment at the start is for — a facility shouldn't be placed without a credible path to repayment. Where circumstances change, an extension, a partial sale, or a refinance to a different lender are the usual options, worked through before maturity rather than at it.
How fast can bridging loans settle?
Typically 3–14 days from a complete application, depending on valuation, legal and lender workload. Speed depends on how quickly security and entity documents are available.
How much can I borrow with bridging loans?
Our panel typically funds from $200,000 to $20,000,000+, at up to 75%. Larger or more complex facilities are structured case by case across banks, private lenders and specialist funds.
What security is needed?
First or second mortgage over the property being bought and the property being sold. The stronger and more liquid the security, the sharper the pricing.
Is this a consumer loan?
No. Solara arranges business-purpose and investment-purpose finance only. If your purpose is personal or for owner-occupied housing, this product is not suitable and we will say so.
Related finance.
Not quite the right product? Every loan type we arrange.
Most scenarios can be structured more than one way. Browse the alternatives, or tell us the situation and we'll recommend the structure.