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Bridging Loans Melbourne

Fast private bridging finance to secure property in Melbourne

Melbourne moves quickly competitive auctions, tight settlement windows, and time-sensitive commercial deals. When waiting on a bank risks losing the property, a private bridging loan lets you buy or settle first and sell/refinance later.

Innovate Funding provides asset-backed bridging loans in Melbourne, focusing on your equity and exit strategy rather than rigid bank servicing.

 

Get indicative approval in ~24 hours and settle in 2–3 business days (subject to valuations, docs and legals).

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What is a Bridging Loan?

A bridging loan is short-term property finance that bridges the gap between purchasing a new asset and receiving funds from a sale or refinance. It’s ideal when you must move now and tidy up the balance sheet later.

Best for:

  • Buying before selling (residential or commercial)

  • Meeting unconditional settlement deadlines

  • Funding developers while DA/presales/bank refi finalise

  • Business relocation or fit-out while awaiting receivables

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Why Use a Bridging Loan in Melbourne

  • Speed in a tight market – act fast at auction or private sale

  • Flexible structures – interest-only or capitalised interest

  • Short terms – 3–12 months aligned to your exit

  • Asset-based – driven by property value and a clear exit plan

  • Business/investment only – NCCP-exempt use cases​

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Melbourne Example Scenarios

  • Brighton upgrade: $2.4M bridging facility at 65% LVR to secure a prestige home before existing property settled; refinanced to a bank post-sale.

  • Southbank office fit-out: $900K bridge secured against commercial strata to complete works, then refinanced on lease-backed valuation.

  • Doncaster townhouse site: $3.1M acquisition bridge while presales progressed; rolled into construction finance after targets were met.

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Areas We Service

  • Melbourne

  • Southbank

  • Docklands

  • St Kilda

  • Richmond

  • Hawthorn

  • South Yarra

  • Toorak

  • Brighton

  • Camberwell

  • Box Hill

  • Glen Waverley

  • Doncaster

  • Preston

  • Northcote,

  • Brunswick

  • Footscray

  • Werribee

  • Dandenong

  • Frankston, and Greater Melbourne.

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How Our Process Works

  1. Enquire – send scenario, security, and timing

  2. Assessment – we review equity and exit plan

  3. Offer issued – transparent terms and structure

  4. Settle fast – legal docs → settlement in days

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FAQs – Bridging Loans Melbourne

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

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How fast can I get approved and settled?
Indicative approval in ~24 hours; settlement often 2–3 business days once documents and valuation are in order.

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

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Can you help if the bank declined me?
Often yes. If the asset and exit are strong, we can structure a solution even when banks say no.

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What can I use as security?
Houses, apartments, prestige property, commercial/mixed-use assets, and development land across Greater Melbourne.

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

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Why Innovate Funding

  • Melbourne bridging specialists with speed and flexibility

  • Clear, transparent pricing and structures

  • Broker-friendly and experienced with complex timelines

  • Trusted by investors, developers, and business owners

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Next Steps

Need a bridging loan in Melbourne to secure a purchase, meet a settlement, or bridge to refinance? From $50K to $20M+, we can help.

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Contact Innovate Funding for a tailored quote today.

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