Bridging Loan

A bridging loan is a short-term loan which bridges the finance gap between selling your current home and buying a new one.


  • Purchase your new home or investment property while your old home is still on the market.
  • Borrow up to 72% LVR on the property being sold, with the Bridging Loan remaining separate and easily identifiable.
  • Standard loan term of 6 months.
  • No repayments necessary until the end of the loan term. 
  • Interest is calculated daily and added to the loan balance on the last day of each month. The full loan balance, including the interest charged over the loan term, is due to be repaid at the end of the standard loan term with the proceeds from the sale of your old home. 
  • No monthly loan service fee.
  • Must be accompanied by a residual loan application.

Interest Rate Comparison Rate
Bridging Loan - Owner Occupied
Bridging Loan - Investment
Interest Rate
Comparison Rate
Interest Rate
Comparison Rate
Rates Effective From 12/10/2021

Upfront Application Fee $900
Monthly Loan Service Fee $0
Valuation Fee

The valuation fee on the house you are selling will be covered by Heritage, up to a maximum of $330. When combined with another Heritage loan type to purchase your new home there will be an additional valuation on your new property. This valuation fee will be payable by you.

Settlement Fee $150
Loan Finalisation Fee $300
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