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Bridging Loans Brisbane

Fast, flexible private bridging finance for Brisbane property

Brisbane’s economy is booming. From competitive auctions to high-demand commercial sites, settlement deadlines move quickly. Waiting weeks for bank finance can mean losing your deal.

A private bridging loan lets you buy or settle first, then sell or refinance later. This ensures you secure the property you want without delays.

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Innovate Funding specialises in asset-backed bridging loans in Brisbane, with a focus on your equity and exit strategy, not just rigid bank serviceability. That means indicative approval in as little as 24 hours and settlement in 2–3 business days, subject to documents.

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What is a Bridging Loan?

A bridging loan is short-term property finance that covers the gap between a new purchase and the funds from a sale or refinance. It allows you to move forward with confidence while finalising the balance sheet later.

Bridging loans are ideal for:

  • Buying before selling, residential or commercial

  • Meeting unconditional settlement deadlines and avoiding lost deposits

  • Developers covering DA, presales or refinance delays

  • Businesses relocating or completing fit-outs while waiting on receivables

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Why Choose a Bridging Loan in Brisbane

  • Speed in a hot market, giving you the ability to act quickly at auction or private sale

  • Flexible structures, with options for interest-only or capitalised interest

  • Short-term solutions, usually 3–12 months, aligned with your exit plan

  • Asset-based lending, driven by property value and strategy rather than strict bank rules

  • Exclusively for business and investment purposes, with NCCP-exempt loan structures

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Loan Snapshot

  1. With Innovate Funding, bridging loans in Brisbane are available from $50,000 up to $20M+. We accept residential, commercial, mixed-use, and development properties as security.

  2. Loan-to-Value Ratios (LVRs) generally go up to 65% on a first mortgage and as high as 75% combined when structured with a second mortgage on strong assets.

  3. Rates start from 8.75% per annum for first mortgages, with second mortgages typically priced around 1–2% per month. Loan terms are usually 3 to 12 months, providing the flexibility to align funding with your sale or refinance timeline.

  4. Indicative approval can be given in about 24 hours, and settlement is commonly achieved within 2 to 3 business days, depending on documentation and valuation.

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Brisbane Bridging Loan 

  • Fortitude Valley apartment: $1.2M facility settled in 48 hours to secure purchase; refinanced post-sale.

  • Archerfield warehouse upgrade: $1.4M bridge for fit-out works; rolled into a bank loan once lease executed.

  • Chermside retail site: $2.1M acquisition bridge while presales progressed; later refinanced to construction funding.

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Areas We Service Across Brisbane

We provide bridging loans throughout Greater Brisbane, including:

  • Brisbane

  • Fortitude Valley

  • Newstead

  • West End

  • Woolloongabba

  • South Brisbane

  • Milton

  • Toowong

  • Indooroopilly

  • Chermside

  • Albion

  • Hamilton

  • Eagle Farm

  • Murarrie

  • Archerfield

  • Acacia Ridge

  • Wynnum

  • Manly

  • Carindale

  • Sunnybank

  • Mount Gravatt

  • Logan

  • Ipswich

  • Redlands

  • Moreton Bay

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Our Process

  1. Enquire – share your scenario, property security and timeline

  2. Assessment – we review equity, security and exit plan

  3. Offer Issued – clear terms and structure provided

  4. Settle Fast – funds available in days, not weeks

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FAQs – Bridging Loans Brisbane

How much can I borrow?
From $50,000 to $20M+, subject to equity and valuation. Typical limits are ~65% first-mortgage LVR and ~75% combined with a second.

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How fast is approval and settlement?
Indicative approval in about 24 hours, with settlement in 2–3 business days once documents and valuation are ready.

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Do I need full financials?
Not always. Private bridging loans are primarily asset- and exit-driven. Reduced-doc options may be available where equity is strong.

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What types of property qualify?
Houses, apartments, commercial or mixed-use properties, and development land across Greater Brisbane.

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Do you offer consumer bridging loans?
No. All funding is strictly for business or investment purposes.

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Will you help if a bank declined me?
Often yes, provided the security and exit plan are sound.

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Why Choose Innovate Funding

  • Local Brisbane bridging specialists with speed and flexibility

  • Transparent, competitive pricing and structures

  • Broker-friendly, with experience in urgent, complex scenarios

  • Trusted by investors, developers, and business owners across Queensland

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Next Steps

Need a bridging loan in Brisbane to secure a property, meet a settlement, or refinance quickly? From $50K to $20M+, Innovate Funding has you covered.

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Contact Innovate Funding today for your tailored bridging loan solution.

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