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Bridging Loans​

Don’t miss an investment opportunity due to poor timing or insufficient funds. Secure a short-term bridging loan with Pacific 8 to finance the period between purchasing and selling property.


In a competitive real estate market, when you need to sell an existing property to raise the funds required for a purchase, you can’t always wait on the bloated banks to offer a fast solution.

The opportunity may pass by.

Short-term bridging finance from Pacific 8 serves as a temporary funding solution in situations just like this. Bridging loans support acquiring a new property in Australia while selling your current one, offering up to 100% of the purchase price (including associated costs).

We provide:

  • Loan amounts from $300,000 up to $25,000,000
  • Personalised interest rate allocation and financial products to support your need
  • Loan terms ranging from 3 months to 2 years.
  • Maximum Loan to Valuation Ratio (LVR) of 75% of the mortgaged property value

Our specialist team can approve loans in hours and have all documentation finalised in as little as three business days, making them a viable solution for situations where rapid financing is required.


Step 1

Your bridging loan will begin with Pacific 8 assuming responsibility for your current property’s mortgage while financing the purchase of your new property. The aggregate amount borrowed encompasses your existing home’s loan balance, the purchase price of the new property, and related expenses like stamp duty, legal, and lender fees.

Step 2

You can begin making the minimum payments for your bridging loan, which are typically calculated on an interest-only basis. Often, this interest is capitalised, meaning it accumulates and is added to the total amount borrowed, until the sale of your current property.

Step 3

When your initial property is sold, the net sale proceeds (sale price minus expenses like agent’s fees) are used to lessen the aggregate amount in your bridging loan. The leftover debt is then repaid like a conventional mortgage going forward.

Recent Funded Bridging Loan

Loan Amount:



Industrial Park








Meet with our specialists at Pacific 8 for further insights on our bridging loans available across Australia, or submit an application form today.
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Frequently Asked Questions

To ensure a smooth process, we assess bridging loans immediately. If everything is in order, we can settle within three days, whereas a bank would likely take weeks even to consider your loan.

There is no set equity value required to qualify for bridging loans in Australia with Pacific 8. Instead, our team will assess the total value of the properties (both to be purchased and sold), review the equity in your current property to ensure there’s enough security for the loan, and create a finance solution to help all parties involved.

As a rule of thumb, the greater the amount of equity you have, the more you will likely be able to borrow through a bridging loan.

At Pacific 8, we don’t have fixed interest rates. Instead, we work to find the best solutions for our clients, considering current terms and factors such as the loan amount, the loan-to-value ratio, and your wider financial situation. Contact us directly for more information on our rates.

When you take out bridging finance in Australia, you typically cover a gap in available funds. As such, your bridging loan is typically repaid once your existing property is sold, with only interest repayments covered in the interim.

The sale proceeds pay off the ‘peak debt’ that accumulates during the bridging period, which includes the borrowed amount for the new property and any capitalised interest. If there’s any remaining debt after selling the old property, it’s usually converted into a standard mortgage with regular repayments.