top of page

Bridging Loans Sydney

Fast, flexible bridging finance to secure property in Sydney

Sydney’s property market moves faster than almost anywhere else in Australia. Whether you’re upgrading in the Eastern Suburbs, investing in the Parramatta growth corridor, or developing in the North Shore, waiting weeks for bank finance can mean losing your deal.

​

A bridging loan allows you to secure a property before your current one sells or settles. Unlike traditional bank finance, Innovate Funding offers private bridging loans in Sydney that focus on your asset value and exit strategy. That means approvals in as little as 24 hours and settlement in 2–3 business days giving you the speed and certainty you need.

​

What is a Bridging Loan?

A bridging loan is a short-term facility designed to “bridge the gap” between selling your current property and purchasing a new one. It provides you with the cash flow needed to move ahead without waiting.

​

Why borrowers use bridging loans:

  • To buy before they sell securing a dream home or prime commercial asset before another buyer does

  • To settle urgent contracts when bank delays risk forfeiting deposits

  • To fund developers and investors who need capital while waiting for DA approvals, presales, or long bank refinancing

At Innovate Funding, our bridging loans are business-purpose only (NCCP-exempt). That means they’re perfect for property investors, developers, and business owners who can’t wait on slow bank processes.

​

Why Choose a Bridging Loan in Sydney?

Sydney’s market has unique challenges and opportunities that make bridging finance especially valuable:

  • Auction-driven sales – with clearance rates above 70%, delays can mean losing at auction.

  • Prestige market urgency – areas like Vaucluse, Mosman and Bellevue Hill demand quick settlements.

  • Commercial hot spots – Parramatta, Chatswood and the Sydney CBD attract investors who need fast access to capital.

  • Development cycle pressure – rezoning, DA approval and pre-construction costs need bridging while long-term finance is secured.

​

Bridging Loan Scenarios in Sydney

  • Bondi Upgrade: A couple purchased a $3M Bondi home before their Paddington terrace settled. Innovate Funding provided a $2M first mortgage bridging loan at 65% LVR, settled in 48 hours. Once the terrace sold, they refinanced to a major bank.

  • Parramatta Investor: A commercial investor secured a $1.1M bridging loan against an office suite to meet a tight settlement deadline. Once bank refinance came through three months later, our facility was discharged.

  • North Shore Developer: A developer needed $3.5M to acquire a Chatswood site while presales were pending. Innovate Funding provided fast bridging finance, allowing the project to move ahead without delays.

​

Who adopt a Bridging Loan in Sydney?

  1. Property Investors — to secure high-demand residential or commercial assets.

  2. Developers — funding site acquisition, DA approval or pre-sales stages.

  3. Business Owners — bridging while moving offices, fitting out premises, or awaiting other financing.

  4. Prestige Buyers — fast-moving deals in Sydney’s blue-chip suburbs.

​

Areas We Service in Sydney

  • Sydney CBD – office towers, mixed-use sites

  • Eastern Suburbs – Bondi, Vaucluse, Coogee, Randwick

  • Inner West – Newtown, Marrickville, Balmain

  • North Shore – Chatswood, Mosman, Hornsby

  • Northern Beaches – Manly, Dee Why, Avalon

  • Western Sydney – Parramatta, Blacktown, Penrith

  • South Sydney – Kogarah, Hurstville, Cronulla

​

How Our Process Works

  1. Enquire – share your property details and funding purpose

  2. Assessment – we review asset value, equity, and exit plan

  3. Offer – clear terms and conditions provided

  4. Settlement – funding within days, not weeks

​

FAQs – Bridging Loans Sydney

How much can I borrow?
Between $50,000 and $20M+, depending on property equity and structure.

​

How fast can I get approved?
Approvals in 24 hours, settlement in 2–3 business days.

​

Do I need strong financials?
Not always. Bridging loans are primarily asset and exit-driven.

​

Can you help if the bank declined me?
Yes. We often fund deals banks won’t, provided there is enough equity and a clear repayment strategy.

​

What property types do you accept?
Residential, commercial, mixed-use and development sites in Sydney.

​

Do you offer consumer bridging loans?
No. All Innovate Funding loans are strictly for business or investment purposes.

​

Can bridging loans be used for development?
Yes. Developers often use bridging finance to secure sites or cover DA costs until long-term funding is finalised.

​

Why Innovate Funding

  • Sydney-based bridging loan experts

  • Approvals in as little as 24 hours

  • Flexible, asset-backed lending

  • Transparent terms and broker-friendly

​​

Next Steps

Looking for a bridging loan in Sydney? Whether it’s an investment property, development site, or commercial asset, Innovate Funding can help you move quickly.

 

Contact Innovate Funding today to secure your deal with confidence.

bottom of page