← All tools
Lender Match Borrowing Power Stamp Duty First-Home Scheme Construction Loan SMSF Lending Refinance Saver Offset Calculator Bridging Loan Lender Match Borrowing Power Stamp Duty First-Home Scheme Construction Loan SMSF Lending Refinance Saver Offset Calculator Bridging Loan
Bridging Loan Estimator

Buying before you sell — what does it really cost?

A bridging loan lets you buy your next home before the current one sells, by carrying both for a while. The number that matters is your peak debt — everything you owe at once — and what's left after your old place sells. This estimator works through the peak debt, the interest over the bridging period, and the end debt you'd be left servicing, then flags whether that end debt is likely to stack up as a normal loan.

This is general information only and an indicative estimate. Not credit assistance, a loan offer, or a quote. Figures are estimates and may differ from a lender's assessment.

Your move

$
$
$
Please enter the new price, your current sale price and current debt to continue.

Important information

This is general information only and an indicative estimate, not credit assistance, a loan offer, or a quote. Figures are estimates and may differ from a lender's assessment. Consider your circumstances and seek advice before acting.

Bridging finance varies significantly between lenders. Some capitalise the interest and others require it to be serviced; some assess against a "net" peak debt after a notional sale, and the end debt must usually be serviceable as a standard loan in its own right (typically at or below an 80% LVR). This estimate treats the interest as capitalised over the bridging period on the full peak debt, and does not include lenders mortgage insurance, valuation shortfalls, or a sale price below expectation. The bridging rate, selling-cost and timing defaults used here are typical figures, not a particular lender's terms. Rates and figures are current as at 6 June 2026 and you should verify them with a lender before relying on this estimate.

LenderBridge is pursuing its credit licence pathway. Nothing here is, or should be taken as, licensed credit assistance.

How does a bridging loan work?

A bridging loan covers the gap when you buy your next home before selling your current one. The lender funds the new purchase on top of your existing loan, then the sale proceeds clear the bridge. This estimator shows your peak debt, the interest over the bridging period, and the end debt you're left with once your current home sells.

Common questions

What is peak debt?

The total you owe at the height of the bridge: your existing loan plus the new purchase price and costs. Lenders assess the bridge on peak debt and on the end debt that remains after your sale, so both numbers matter.

How long can you bridge for?

Bridging periods are typically capped at six to twelve months, depending on the lender and whether the end debt is serviceable. If your home hasn't sold by the deadline, the lender can require a sale or refinance — so a realistic sale price and timeframe are critical.

Do I make repayments during the bridge?

Often the bridging interest is capitalised — added to the loan rather than paid monthly — so you keep servicing only your existing commitments during the bridge. The capitalised interest is then cleared from your sale proceeds.

General information only. This is not credit assistance and the figures are indicative estimates — bridging structures vary by lender, so confirm before you rely on them.