Understanding bridging finance

  • Found the perfect new home? A Bridging Loan covers the time between buying a new property and settling on the sale of your existing one. 

    CommBank bridging loans have a maximum loan term of 12 months. 

    Download our Bridging Loan Guide (PDF)

Features & benefits

  • Flexibility

    A Bridging Loan allows you to purchase a new home before finalising the sale of your existing one.

  • Convenience

    Avoid having to rent somewhere because you’ve sold your current home before finding a new one.

  • Unlimited lump sum payments

    Within the term of your loan.

  • Interest offset

    Save on interest while having access to your money by using an Everyday Offset account.*

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  • Wealth Package

    Enjoy discounts on eligible loans and credit cards.

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  • Loan term

    Bridging loans have a maximum loan term of 12 months – so you need to sell and settle your current property within this timeframe.

Important things to know

Fees & availability

A Bridging Loan is not available on all home loans, and you may incur some fees and charges depending on your loan type. Bridging Loans are only available to existing CommBank customers.

Interest costs

A Bridging Loan is generally an Interest Only loan for the 12-month period. The longer it takes you to sell your current home, the longer you’ll be charged interest on the bridging finance. 


If you don’t sell your home in the agreed period, we may get involved to sell the property. We may also charge you a default interest rate above the annual percentage rate applying at the time. You may be better off asking for an extended settlement period or selling your existing home first.

For more information, you can refer to our guide on Bridging Loans.

sold house

How to apply

  • Make an appointment with one of our Home Lending Specialists to discuss whether a Bridging Loan may be right for you and your circumstances.

    Book appointment

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Things you should know

  • * Everyday Offset is a feature of our Complete Access Transaction Account which is linked to an eligible home loan, and accountholder/s must also be accountholders of the linked home loan. Interest is not charged on that part of the Home Loan balance equal to the balance of the Complete Access account.

    The target market for these products will be found within the product’s Target Market Determination, available here.