Bridging Finance for Investment Property

Property investors use bridging finance to move fast — securing an investment before another deal completes, refinancing during a portfolio restructure, or funding a value-add play before a long-term loan is in place.

Can investors use bridging finance?

Yes. Property investors commonly use bridging finance to acquire properties quickly, fund renovations before refinancing to a long-term loan, or release equity from one investment to fund the deposit on another. Investor bridging is typically commercial (unregulated) and faster to settle.

• Securing an off-market investment before listing falls through
• Auction purchases where unconditional funds are required
• Buying, renovating then refinancing (the BRR strategy)
• Releasing equity from one property to fund another deposit
• Bridging a portfolio refinance between lenders

Investor bridging is usually treated as commercial finance — faster to approve, with simpler serviceability tests focused on the property's rental income and the strength of the exit. Rates sit slightly above owner-occupier bridging (typically 9–13% p.a.) but settlement can happen in days.

• Refinance to a long-term investment loan (most common)
• Sell-down of another property in the portfolio
• Sell the bridged property post-renovation (flip)