Free Tool

Bridging Loan Calculator

Estimate your peak debt, the bridging amount you'll need, capitalised interest and the end debt left on your new home after your sale settles.

Your situation

Existing home value {{ f.homeValue }} Mortgage still owing {{ f.mortgage }} New purchase price {{ f.purchase }} Cash you'll contribute {{ f.cash }}

Term {{ f.term }} Indicative rate {{ f.rate }}

Assumes 2.5% selling costs and interest capitalised over the term.

Your estimate

Bridging facility required {{ f.bridging }}

Peak debt{{ f.peak }}

Combined LVR{{ f.lvr }}

Interest over {{ f.term }}{{ f.interest }}

Equivalent monthly interest{{ f.monthly }}

Estimated fees{{ f.fees }}

Net sale proceeds{{ f.proceeds }}

End debt on new home{{ f.endDebt }}

Get this quoted properly →

Combined LVR is above 80% Most bridging facilities cap out around 75–80% of combined security value. You may need additional security, a larger cash contribution, or a lower purchase price — call us and we'll look at options.

How to read this Peak debt is everything you owe while you hold both properties. Once your sale settles, the net proceeds come off and what remains is your end debt — the loan you'll refinance to a standard home loan. Estimate only. This calculator is general information, not a quote or an offer of credit, and it does not consider your objectives, financial situation or needs. It uses simple interest on peak debt, a 2.5% selling-cost assumption and indicative fees; your actual rate, fees and costs are set and disclosed by the finance provider you deal with. Approval is subject to that provider's assessment and valuation. See a worked example →