Bridging Finance Solutions | Seamless Property Transition with Finco Capital

Navigating the property market often poses a timing challenge: should you secure your next property before selling your current home? Bridging loans from Finco Capital deliver strategic flexibility, empowering you to purchase your dream home without being pressured by tight transaction windows.

As your specialist mortgage broker, we craft tailored bridging finance solutions—giving you financial breathing room for a smooth, calculated transition. Partnering with our panel of leading lenders, we secure competitive terms and guide your property move with confidence and precision.

How Bridging Loans Work

A bridging loan is a short-term facility designed to cover the period between buying a new property and selling your existing home. By leveraging equity in your current residence, you unlock funds for your new purchase, with the loan typically repaid once your original property sells.

Key Features:

Loan terms typically range from 6 to 12 months, matched to your sale timeline
Interest capitalisation: No monthly repayments required during the bridging period. Interest is calculated and added to the loan balance, payable at settlement
Peak Debt: The maximum loan amount when owning both properties
End Debt: Your ongoing loan position following the sale, usually converting to a standard home or investment loan

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The Finco Capital Advantage

Expert Brokerage: Experienced in bridging finance strategy and property market nuances
Leading Lender Panel: Access to a wide range of lenders for tailored solutions
Streamlined Process: Seamless application, approval, and transition management from start to settlement
Ongoing Support: Support throughout your move and integration into your ongoing finance structure

Frequently Asked Questions

What is a bridging loan and how does it work?

A bridging loan bridges the financial gap between buying and selling properties. It uses your current home's equity, is repaid at settlement, and allows you to act decisively without having to coordinate simultaneous transactions.

How much can I borrow?

Your borrowing power is determined by financial position, property values, and Loan-to-Value Ratio (LVR). We provide comprehensive Peak Debt and End Debt analysis for clarity.

What interest rates apply?

Bridging loans are generally priced higher than standard mortgages due to their short-term nature and risk profile. Our relationships allow us to source competitive rates and potential discounts.

Should I buy or sell first—and how does a bridging loan help?

A bridging loan offers certainty and flexibility: purchase your next home first, secure negotiating power, and avoid temporary accommodation. Risk appetite and market conditions are key factors.

How do repayments work?

Most bridging facilities offer interest capitalisation—no regular repayments are required until sale proceeds settle the loan. Accrued interest is paid out at settlement, reducing cash flow strain during transition.

Disclaimer

General information only. Not legal, tax, or financial advice. Professional advice is recommended for your circumstances. All credit products depend on full assessment; suitability and terms will vary. Your full financial situation is assessed prior to financing.