Fast Home Bridging Loans — Settle Now, Sell Later

Buying before you sell? Need fast settlement while waiting on bank approval or sale proceeds? Innovate Funding arranges home bridging loans through accredited Australian lending partners, helping you secure a property now and finalise your exit later.

We can assist with both:

• Consumer bridging loans for moving homes (buy now, sell later), arranged through licensed credit providers, and

• Business-purpose bridging loans secured by your home, where funds are used for investment, development, commercial or business activities.

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When a Home Bridging Loan Makes Sense

Home bridging loans are often used when you need to:

• Buy a new property before your current home sells

• Secure a deal with a fast settlement timeframe

• Release equity tied up in a property to fund business activity

• Extend finance while refinancing to a major bank

• Cover tax, renovations, deposits, business invoices or contractor payments

This type of funding suits borrowers who have a clear exit strategy — typically sale proceeds or refinance.

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Types of Bridging Loans Available

Consumer Bridging Loan (Buy First, Sell Later)

Used when you are purchasing a new primary residence and selling your existing home. We help connect you with accredited consumer lenders who can provide:

• Short-term finance to complete settlement

• Interest-only periods while your current property is listed

• Capitalised interest options

• Pre-approved limits to assist with negotiating power

Ideal for owner-occupiers who want flexibility when transitioning between homes.

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Business-Purpose Bridging Loan Secured by Your Home

If the funds are for business, investment, expansion, tax, development or commercial purposes, we can arrange private bridging loans secured by your residence via our private lending partners.

This can be useful for:

• ATO and tax liabilities

• Stock, payroll, invoices, supplier payments

• Commercial property purchases

• Development projects and deposits

• Refinancing short-term or distressed facilities

You can learn more about business-secured lending here: Short Term Business Loans: https://www.innovatefunding.com.au/short-term-business-loans

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How Bridging Loans Are Repaid (Exit Strategies)

Common exit strategies include:

• Sale of existing property

• Refinance to a long-term home loan or investment loan

• Business cashflow over time

• Settlement from project or development proceeds

We help assess the structure and ensure the exit timing works with lender requirements.

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Why Use Innovate Funding

• Fast access to bridging lenders (both bank-alternative & private)

• Clear repayment structures and exit planning

• Access to lenders open to complex income or non-traditional financials

• We handle lender introductions, packaging and negotiation

We focus on fast settlements and flexible structures, especially when timing is critical.