02 9389 1077
Bridging Finance Australia
Short-term property-backed funding from a private lender with access to its own funding, plus additional finance options through our broking service.
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Brampton Finance is a private lender providing bridging finance for eligible business and commercial transactions across Australia. With access to our own funding, we assess suitable enquiries for direct property-backed lending.
We also operate as a finance broker. Where another funding source or structure is appropriate, we can arrange facilities through specialist private lenders, banks and non-bank lenders.
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Bridging finance may help address a temporary gap before a supported property sale, refinance or other identifiable repayment event. The proposed loan needs acceptable security, sufficient usable funds and a realistic exit strategy.
For homebuyers seeking to buy before selling, we can assess potential residential bridging options through our broking service, subject to the relevant product and lending requirements.
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Discuss Your Bridging Finance Requirements
Call 02 9389 1077
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A Private Bridging Lender With Access to Our Own Funding
Brampton Finance provides a direct lending pathway for eligible business and commercial bridging requirements.
Your enquiry can be assessed against our funding access. Our broking capability provides additional pathways where a partner facility is appropriate.
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Before proceeding, the proposal and documentation identify:
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The legal entity providing the credit.
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Brampton’s role as lender or broker.
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The approved purpose and facility amount.
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Usable funds after payouts, fees and other deductions.
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Interest arrangements and applicable brokerage.
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Security and guarantees.
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Conditions required before settlement.
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Maturity, repayment and default provisions.
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Access to funding does not establish approval or remove valuation, legal and documentation requirements.
Explore our broader private lending services across Australia.
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What Is Bridging Finance?
Bridging finance is short-term funding used to cover a temporary gap between an immediate funding requirement and a future repayment event.
The loan may support an eligible property acquisition, business transaction or refinancing requirement while another source of funds becomes available.
A bridging loan needs a defined exit. That may involve a property sale, an achievable longer-term refinance or another supported repayment source.
The term should allow for the work needed to complete that event. An expected sale or future loan approval is not the same as money available for repayment.
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Bridging Finance at a Glance
Provider: Brampton Finance, private lender and finance broker.
Direct lending: Access to our own funding for eligible business and commercial transactions.
Additional pathways: Facilities arranged through specialist private, bank and non-bank lenders where appropriate.
Potential purposes: Commercial acquisitions, development site purchases, temporary business funding gaps and eligible refinancing.
Residential enquiries: Buy-before-selling and other home bridging options assessed through our broking service under the appropriate lending framework.
Security: Acceptable property, subject to assessment.
Repayment: A supported sale, refinance or other identifiable source.
Service area: Australia-wide enquiries, subject to location and lending criteria.
Assessment: Property value, existing obligations, borrowing purpose, costs, required term and repayment evidence.
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When Might a Bridging Loan Be Considered?
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A Commercial Property Settlement Before Other Funds Arrive
A business or commercial borrower may need to complete an acquisition before sale proceeds or another funding source becomes available.
The assessment considers the purchase terms, borrower contribution, security, required amount and repayment timing.
A contractual deadline alone does not establish that a loan is available or appropriate.
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A Development Site Acquisition
A developer may require temporary finance to acquire or hold a site before a separate construction facility is established.
Provide the planning position, current value, existing debt, holding costs and evidence supporting the next funding stage.
Site acquisition approval does not automatically include construction funding.
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Explore private development finance.
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A Defined Business Funding Gap
Property-backed bridging finance may be considered where eligible business expenditure falls before identifiable receipts.
Examples may include a documented contract payment or proceeds from an agreed asset sale.
Explain the expected receipt, conditions attached, timing and amount remaining after business expenses and other obligations.
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Explore private business loans.
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An Existing Facility Approaching Maturity
A short-term replacement facility may be considered where a supported sale or longer-term refinance has not yet completed.
The reason for the delay matters. Additional borrowing needs to address the current position and have a credible repayment plan.
A new application does not extend the existing loan or suspend the outgoing lender’s rights.
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Explore private loan refinancing.
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Buying a Home Before Selling
Residential bridging finance may help eligible homebuyers manage the period between purchasing their next home and settling the sale of their existing property.
Brampton can assess potential options through its mortgage broking service.
The assessment depends on the lender’s product, existing debt, property values, sale arrangements, financial position and any loan remaining after the sale.
Tell us the actual purpose of borrowing so the appropriate pathway can be assessed.
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Explore our home loan services.
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Private Bridging Finance and Residential Bridging Loans
Different transactions require different assessments.
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Private Business and Commercial Bridging
This pathway concerns eligible business or commercial requirements supported by acceptable property and repayment evidence.
Brampton may assess the enquiry for direct private lending using our funding access or arrange another appropriate facility.
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Residential Buy-Before-Selling Finance
This pathway concerns homebuyers managing overlapping property transactions.
Potential products, repayment requirements and eligibility criteria vary. Brampton assesses these enquiries through its broking service.
A residential property used as security does not, by itself, determine the borrowing purpose. Disclose the actual use of funds, including any mixed purpose.
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Open and Closed Bridging Finance
These terms generally distinguish whether the repayment event is contractually established.
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Closed Bridging Finance
Closed bridging commonly describes a transaction with an agreed sale and identified settlement date.
Even where a sale contract is unconditional, review the settlement requirements and potential consequences of delay.
A signed contract does not remove every settlement risk.
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Open Bridging Finance
Open bridging commonly describes a transaction where the sale or other exit has not yet been contractually secured.
Assessment needs realistic evidence of value, marketability, sale timing or the proposed refinance.
A property listing or intention to approach another lender does not establish repayment certainty.
Product definitions and requirements vary, so confirm how the proposed credit provider uses these terms.
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How Much Bridging Finance Could You Access?
Available funding depends on:
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The accepted value of the security property or properties.
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Existing mortgages and relevant facility limits.
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The approved purpose.
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Applicable lending limits.
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Borrower contributions.
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Interest and transaction costs.
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The proposed repayment strategy.
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Some structures involve more than one property. Others may use a first or second mortgage over acceptable security.
Confirm the security required and how each property can be released when a sale settles.
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First Mortgage Bridging Finance
A first mortgage structure may involve unencumbered property or repayment of an existing mortgage at settlement.
The outgoing payout reduces the funds remaining for the new transaction.
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Explore private first mortgage loans.
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Second Mortgage Bridging Finance
A second mortgage may allow an existing first mortgage to remain while additional finance is secured against the property.
Assessment includes combined debt, existing loan conditions and any required consents or priority arrangements.
Compare the complete structure with refinancing the whole debt.
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Explore private second mortgage loans.
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Understanding Peak Debt and End Debt
These concepts are particularly relevant to buy-before-selling structures.
Peak debt generally describes the total borrowing during the period when both property transactions overlap.
End debt describes the borrowing remaining after the existing property sale proceeds have been applied and the bridging component has been repaid.
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The actual calculation depends on the facility structure and treatment of contributions, costs and interest.
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Simplified Buy-Before-Selling Example
Assume:
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Existing mortgage: $400,000.
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New property purchase: $900,000.
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Assumed purchase and finance costs: $50,000.
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Cash contribution: $150,000.
Illustrative peak debt would be:
$400,000 + $900,000 + $50,000 − $150,000 = $1,200,000.
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If the existing property sells for $850,000, with assumed selling costs of $25,000, net sale proceeds would be $825,000 before applying them to debt.
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Illustrative end debt would be:
$1,200,000 − $825,000 = $375,000.
This simplified example excludes interest accruing during the bridging period and assumes no other adjustments.
It is not a Brampton Finance quote, lending limit or approved transaction. Actual facility calculations and repayment requirements vary.
A lower sale price or longer selling period can increase the debt remaining.
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Bridging Loan Rates and Fees
There is no single bridging finance rate for every transaction.
Pricing depends on the property, mortgage priority, debt level, borrowing purpose, requested term, structure and repayment risk.
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Compare the complete cost over your expected borrowing period, including:
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Interest and its calculation method.
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Establishment or application fees.
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Valuation expenses.
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Legal and security documentation costs.
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Any brokerage.
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Minimum interest requirements.
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Early repayment and discharge costs.
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Extension and default provisions.
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Request a written explanation using the amount you need after costs and your expected repayment date.
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Regular, Retained and Capitalised Interest
Regular payments: Cash flow is needed to meet interest and any other required payments during the term.
Retained interest: An amount deducted from the advance may reduce usable funds at settlement.
Capitalised interest: Interest added to the loan increases the repayment balance and may itself attract interest, depending on the agreement.
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Limited interim payments do not mean the loan has no financing cost.
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Gross Advance Versus Usable Funds
The gross facility may need to cover existing payouts, fees and retained interest before money is available for the intended purpose.
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Request a settlement breakdown showing:
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The gross facility.
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Existing obligations being repaid.
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Costs and deductions.
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Interest retained, if applicable.
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Usable funds remaining.
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Any borrower contribution required.
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How Long Does a Bridging Loan Last?
The appropriate term depends on the transaction and proposed exit.
It should account for the time needed to complete the sale, refinance or other repayment event, together with relevant documentation and settlement requirements.
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A shorter term may reduce the expected borrowing period but leave insufficient time to execute the exit.
A longer term may involve additional costs or conditions.
Confirm the contractual maturity date and whether minimum interest or early repayment provisions apply. An extension is not automatic.
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What Do We Assess for Bridging Finance?
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Property and Existing Debt
Provide the address, ownership, estimated value, property type, mortgage balances and relevant limits.
An accepted valuation may differ from an agent’s appraisal, purchase price or owner estimate.
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The Actual Funding Gap
Explain what must be paid now and what funds are expected later.
Provide contracts, invoices, payout statements or other documents establishing the amount and timing.
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Borrower Circumstances
Identification, entity documents, financial information, credit history and existing commitments may be required.
Property security does not remove the need to assess the borrower and repayment plan.
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Sale Evidence
Where a sale will repay the loan, relevant information may include:
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Listing and marketing details.
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Contract status.
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Outstanding conditions.
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Expected settlement date.
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Expected net proceeds.
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Other obligations payable from the sale.
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Refinance Evidence
Where another loan is the exit, explain the proposed lender, assessment status and outstanding requirements.
An intention to refinance later is different from a supported pathway to approval.
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A Delayed or Lower Exit
Consider the effect of a slower sale, reduced price, delayed receipt or smaller refinance offer.
Additional funding and extensions should not be assumed to be available.
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How Quickly Can Bridging Finance Settle?
Timing depends on the individual application and outstanding requirements.
Valuation, title review, assessment, mortgage discharge, required consents and legal documentation may affect settlement.
Access to our own funding does not remove these steps.
Tell Brampton the actual deadline and provide supporting documents at the outset.
An indicative response or term sheet is different from unconditional approval and settled funds.
For a purchase deadline, your solicitor or conveyancer should address the contractual obligations while finance is assessed.
For a maturing loan, provide the current payout, maturity date and any notices received.
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Discuss a time-sensitive bridging requirement.
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What Happens if the Property Does Not Sell in Time?
The loan remains subject to its agreement and maturity date.
An extension or refinance may require reassessment, involve additional charges or be unavailable.
Before proceeding, consider:
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Additional interest and holding costs.
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A sale price below expectations.
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Changes to the proposed refinance.
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Payments required during the bridging period.
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Consequences of failing to repay at maturity.
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A bridging facility needs a supported exit and consideration of what happens if that exit changes.
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Why Choose Brampton Finance?
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We Are a Private Lender
Brampton Finance has access to its own funding and assesses eligible business and commercial bridging transactions for direct lending.
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Additional Options Through Our Broking Service
We can arrange other appropriate private, bank and non-bank facilities.
Residential bridging enquiries are assessed under the relevant product and lending framework.
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Established Finance Experience
Founded in 2006, Brampton Finance works across home loans, commercial finance, business lending and specialist funding.
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Attention to the Funding Gap and Exit
We consider usable funds, existing debt, borrowing costs, timing and repayment together.
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Support Through the Process
Brampton assists with reviewing the enquiry and coordinating the application with relevant parties, subject to assessment and completion of conditions.
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Bridging Finance Across Australia
Brampton Finance accepts enquiries across Australia, including:
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These are service enquiry areas. Availability depends on the exact property location, borrower, purpose and transaction.
For regional property, provide the address at the start.
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What to Prepare for a Bridging Finance Enquiry
Provide:
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Amount: Usable funds required after costs.
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Purpose: What the facility will fund.
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Property: Address, ownership, type and estimated value.
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Existing debt: Mortgage balances and relevant limits.
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Contribution: Cash or other funds available.
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Deadline: Required settlement date.
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Exit: How and when the loan will be repaid.
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Documents: Purchase contracts, sale information, payouts or refinance evidence.
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Further information may be requested following the initial review.
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Bridging Finance FAQs
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Is Brampton Finance a bridging lender or broker?
Brampton Finance is a private lender with access to its own funding for eligible business and commercial transactions. We also operate as a finance broker, arranging other appropriate facilities. The documents identify the legal credit provider and our role.
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Will the bridging loan use Brampton’s own funding?
That depends on the application and proposed structure. Eligible private transactions can be assessed against our funding access.
Another facility may be considered where appropriate.
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Can you help me buy a home before selling?
Yes. Brampton can assess potential residential bridging options through its broking service, subject to the relevant lender’s product and eligibility requirements.
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What is the difference between a bridging loan and a private loan?
Bridging describes the temporary funding purpose. Private lending describes a funding source. A bridging facility may be provided by a private lender, bank or another non-bank lender.
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Can I obtain bridging finance before my property is sold?
Potentially, subject to an available facility and assessment. An uncontracted sale involves uncertainty about price and timing that must be addressed.
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Can I keep my existing mortgage?
Potentially, through an acceptable second mortgage structure. Other facilities may require the existing mortgage to be refinanced. Assessment includes current loan conditions and combined debt.
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Do I need to make monthly repayments?
The agreement determines payment obligations. Interest may be paid regularly, retained or capitalised. Confirm payments during the term and the amount due at repayment.
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Can bridging finance support a development site purchase?
An eligible enquiry may be considered. Provide the acquisition terms, planning position, property details and proposed exit. Acquisition funding does not automatically approve construction funding.
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Can I refinance an existing bridging loan?
An enquiry may be considered. Provide the current payout, maturity date, property information and updated repayment evidence. A replacement facility is not guaranteed.
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Can I apply after a bank decline?
Potentially. The reason for the decline remains relevant, alongside security, existing obligations and repayment evidence.
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Is bridging finance available with adverse credit?
An enquiry may be considered, but the credit issue and current circumstances must be assessed. Approval is not guaranteed.
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What happens if the sale price is lower than expected?
Less money may be available to reduce debt. Depending on the structure, you may need to contribute additional funds or obtain approval for another arrangement.
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Can I repay early?
The agreement determines early repayment obligations. Minimum interest, notice requirements or discharge charges may apply. Request a payout illustration using your intended date.
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Does an enquiry pause an existing repayment deadline?
No. A finance enquiry does not amend an existing loan, purchase contract or enforcement timetable.
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Discuss Your Bridging Finance Requirements
Speak with Brampton Finance about direct private bridging finance for eligible business and commercial requirements, or other bridging options through our broking service.
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Tell us the funding gap, property available, existing debt, deadline and proposed repayment event.
We can review the enquiry and explain the next steps for an appropriate funding pathway.
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Submit Your Bridging Finance Enquiry
Phone: 02 9389 1077
Email: info@bramptonfinance.com.au
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Sydney office: Level 7, 35 Spring Street, Bondi Junction NSW 2022.
Melbourne office: Suite 1, Level 8, 616 St Kilda Road, Melbourne VIC 3004.
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Brampton Finance Pty Limited | ABN 54 121 561 564 | Australian Credit Licence 385602.
General information only. Finance is subject to assessment, applicable lending criteria, acceptable security and documentation. The facility documents identify the credit provider and Brampton’s role. Rates, fees, terms and availability vary. A finance enquiry does not suspend existing contractual obligations. Extensions and replacement facilities are subject to assessment and may be unavailable. Property provided as security may be at risk if repayment obligations are not met. Obtain appropriate independent advice before proceeding.