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Bridging finance

If you’d like to buy a new property before you sell your existing one, bridging finance can provide the funds you need to secure your new home.

It's suitable for customers who have sold but not yet settled their existing property and require finance for the deposit on a new property.

  • Search for a new home with confidence, even if you haven’t yet settled on your existing property
  • Choose between principal and interest repayments, or interest-only payments
  • Use the proceeds from the sale of your home to reduce the balance on your bridging loan following settlement
  • Make unlimited lump sum payments, depending on the terms of your finance (restrictions apply for our Fixed Rate Home Loans).

If your finances are tied up in investments when purchasing your property, a deposit guarantee offers a convenient alternative to a cash deposit.

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We can tailor a home loan that's right for you, and provide the tools and insights to meet your needs.

Borrowing options

Split the cost of a home with family or friends, while retaining individual control of your finances. Available on most home loans.

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Lenders’ Mortgage Insurance allows you to purchase a property with a smaller deposit, so you can own your home sooner.

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Similar to Lenders’ Mortgage Insurance, this additional cost is added to your loan, so you don’t have to come up with these funds upfront.

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A family member can help you secure a home loan by mortgaging their own property as additional security.

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Apply for a loan without the financial statements or tax returns usually required, if you’re self-employed or a small business owner.

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With our Wealth Package, you’ll enjoy special discounts on selected loans and credit cards.

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Important information

Customers should be aware that their existing home needs to be sold within 12-months from the disclosure date. The bridging period commences from the disclosure date recorded on the front page of the loan contract schedule. Viridian Line of Credit cannot be used for bridging finance.

Applications for finance are subject to the Bank’s normal credit approval. Full terms and conditions are included in the Loan Offer. Other fees and charges are payable.

View the Consumer Mortgage Lending Products Terms & Conditions