Bridging Loan Calculator

Visualize how bridging finance works and calculate the costs of buying before selling. See the complete journey from your current property to your new home.

Property & Loan Details

Current Property
$
$
New Property
$
$
Additional cash you're contributing to the new property purchase
$
Sale Details
$
We'll use your current property value as the expected selling price
Loan Terms
%
months
70%75%80%85%
Selected: 85%

Bridging Loan Journey

Existing Property
Value:$700,000
Loan Balance:$400,000
Available Equity:$300,000
Target New Property
Purchase Price:$950,000
Cash Deposit:$55,000
Purchase Costs:$55,000
Before: Planning Your Move

You own your current property with $300,000 in equity, but this equity is tied up until you sell. You have $55,000 in cash for the new purchase.

Existing Property
Loan Balance:$400,000
New Property (Purchased)
Purchase Price:$950,000
Purchase Costs:$55,000
Less: Cash Deposit:-$55,000
Amount Financed:$950,000
Peak Debt
Amount:$1,375,313
Includes Capitalized Interest:$25,313
Interest Only:$8,438/month
Rate:7.50%
Peak LVR:83.35%
During: Bridging Period (3 months)

You now own both properties (total value: $1,650,000). Your peak debt of $1,375,313 comes from: existing loan ($400,000) + new property financing ($950,000) + capitalized interest ($25,313). Paying $8,438 monthly in interest only.

SOLD
Previous Property (Sold)
Sale Price:$700,000
Net Proceeds:$680,000
Your New Home
Property Value:$950,000
Final Debt Position
Remaining Debt:$695,313
After: Sale Complete

Old property sold for $680,000 net proceeds. Final debt position: $695,313 on your new home.

Bridging Loan Summary

Peak Debt

$1,375,313

Maximum borrowing
Monthly Interest

$8,438

Interest-only payments
Total Interest

$25,313

For 3 months
Final Debt

$695,313

After sale completion
Key Insights
  • Available Equity: $300,000
  • Total Bridging Cost: $100,313
  • Bridging LVR: 83.4%
  • Net Sale Proceeds: $680,000
Important Notes
  • Interest-only payments during bridging period
  • Option to capitalise interest for up to 12 months
  • Rates and fees may vary by lender
  • Settlement timing affects total costs

Need Help with Bridging Finance?

Our mortgage brokers can help you secure competitive bridging loan rates and navigate the process.

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