Buying
Property Purchase Bridging Buy your new home before your current one settles. Auction Finance Pre-approved funds so you can bid with confidence.Timing & value
Settlement Gap Finance Cover the overlap when settlements don't align. Renovation Loans Fund improvements before refinancing to a bank.Commercial
Business Bridging Short-term capital for cash flow and stock. Development Finance Subdivisions and small developments, funded fast.Not sure which fits?
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Get a quote →The basics
What is a bridging loan? How bridging finance works Open vs closed bridging Bridging vs home loan Buy before you sellCosts & criteria
Interest rates & fees Eligibility & LVR Peak debt vs end debt Exit strategies explained Glossary of termsStart here
The complete bridging finance Knowledge Hub
Quick answers, costs, eligibility, peak debt vs end debt and a full glossary — in one place.
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Buy before you sell in Brisbane
Secure the next home without a subject-to-sale clause. Here's the mechanism, the timeline, the real cost, and how to protect yourself if the market moves.
Last reviewed 9 August 2026 · Bridging Loans Brisbane lending teamShort answer
Yes, you can buy first. A bridging loan funds the new purchase using the equity in both properties as security, so you settle before your current home sells. You hold both for one to six months on capitalised interest, then the sale clears the bridge and leaves an ordinary home loan behind.
Who it suits — and who it doesn't
Buying first solves a timing problem. It does not solve a borrowing-capacity problem, and it is the wrong tool if your equity is thin.
Peak debt and end debt, in numbers
Short answer: peak debt is everything you owe while you hold both homes. End debt is what's left after your sale settles — and it's the only number your long-term repayments are based on.
Indicative only: assumes 2.5% selling costs, six months at 9.5% capitalised, and fees deducted at settlement.
Run your own figures in the calculator →The Brisbane timeline
From first call to end debt, on a typical thirty-day settlement with a four-week sale campaign.
Pre-assessment
We confirm your equity, likely LVR and indicative cost, so you know your true ceiling before you bid.
Day 1Unconditional offer
With pre-approval you can bid at auction or offer without a subject-to-sale clause.
Days 2–14Purchase settles
The facility pays out your existing mortgage and funds the purchase plus costs. Peak debt starts here.
Day 30Your sale campaign
You list and sell with a roof over your head — no rushed price, no rental in between.
Weeks 4–10Sale settles, bridge closes
Net proceeds clear the bridging portion and the remaining end debt becomes a standard home loan.
Month 3–6Bridging vs selling first and renting
The comparison most people skip. Over the same four to six months, the cost gap is usually smaller than expected — and the market risk sits on the other side.
Bridge and buy first
Interest for the months you hold both, usually capitalised One move, no rental, no storage You choose the sale price rather than accepting the first offer Risk: a slower sale means more interest and possibly an extensionSell first, then rent
Rent for the gap, plus bond and two removalist moves Storage costs if the rental is smaller You buy back into whatever the market has done since Risk: you cannot act quickly when the right property appearsSix ways to protect yourself
Buy-before-you-sell questions
Can I buy a house before selling mine in Australia?▼
Yes. A bridging loan funds the new purchase while you still own your existing home, using the equity in both properties as security. You settle the purchase first and repay the bridge when your old property sells, usually within one to six months.
How much deposit do I need to buy before I sell?▼
Often none in cash — the equity in your existing property acts as the contribution, provided the combined loan stays within roughly 75 to 80 per cent of both properties’ value. Above that, a cash contribution or additional security is needed.
What happens if my house does not sell during the bridge?▼
The facility can usually be extended or restructured while the campaign continues. Extensions cost less when arranged early, so tell your lender as soon as the timeline slips rather than at the end of the term.
Is buying before selling cheaper than selling first and renting?▼
Frequently yes, once you count rent, two removalist moves, storage and the risk of re-entering a rising market. Bridging costs interest for a few months; selling first can cost more in total while leaving you without a home to move into.
Do I make repayments on both properties?▼
Usually not. Interest on the bridging portion is normally capitalised and cleared at settlement, so you are not servicing two mortgages during the overlap.
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