Bridging Loan Requirements in Australia

Most Australian bridging loans can be assessed from a short list of documents. Have these ready and you can move from enquiry to formal approval in 48 hours.

What documents do you need for a bridging loan?

You'll typically need: photo ID, two recent payslips (or two years of tax returns if self-employed), three months of bank statements, your existing mortgage statement, council rates notice for each property, and a signed contract of sale for your new purchase.

• Driver's licence + one other photo ID
• 2 × recent payslips OR 2 years tax returns + most recent BAS
• 3 months of bank statements (transaction + savings)
• Existing mortgage statement (current balance & repayments)
• Council rates notice for each property
• Contract of sale for the new purchase
• If applicable: contract of sale for the existing property
• Exit strategy summary (1 paragraph is fine — we help write this)

• Property located in Australia (any state or territory)
• Residential or commercial (rural-residential considered case-by-case)
• Clear title (or registered first/second mortgage in place)
• Marketable — i.e. capable of being sold within the loan term

Beyond the docs, lenders want to see a sensible exit strategy and reasonable property values. A short broker call usually surfaces any gaps before we submit — saving you a rejected application that hits your credit file.