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    Bridging Finance vs Traditional Mortgage

    They're completely different products solving completely different problems. Here's the side-by-side so you can choose with confidence.

    Side-by-Side Comparison

    Feature Bridging Finance Traditional Mortgage
    Term 1–24 months 20–30 years
    Approval time 24–48 hours 2–6 weeks
    Typical rate 0.8–1.5% / month 5–7% p.a.
    Repayments Interest-only or capitalised Principal & interest
    Security Existing &/or new property Purchased property
    Exit Sale of property or refinance Full amortisation
    Best for Timing gaps, auctions, fast settlement Long-term property ownership

    When Each Wins

    Choose Bridging When…

    • You've found a new property but haven't sold yet
    • You're buying at auction with 30-day settlement
    • Your bank can't approve in time
    • You need 1–24 months of finance, then exit

    Choose a Mortgage When…

    • You're holding the property long-term
    • You want the lowest possible monthly rate
    • You have time for a 4–6 week assessment
    • You can fully evidence income and serviceability

    Related

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