Smooth Transitions
Our Bridging Loan is designed to streamline the process of moving from one property to another, supporting a seamless transition.
Tailored Short-Term
Bridging Loans
Borrowers from 8.49%^ p.a. (8.82%* p.a. comparison rate)
Residential – Our Bridging Loan is a short-term financing solution that is designed to ease property transitions. It allows applicants to buy or construct a new property before finalising the sale of their existing one. La Trobe Financial combines both loans and adds the future interest onto the total loan amount. This unique feature eliminates the need for repayments during the bridging period, making the transition between properties smoother.
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Key Benefits
Short-Term Financing
Designed for applicants needing short-term financing to purchase or build a new property prior to having completed the sale of their existing property.
No Repayments During Bridging
With future interest payments incorporated into the loan amount, no repayments are required during the bridging period, reducing financial stress.
Current Rate^: 8.49%
Comparison Rate*: 8.82%
Security Type: Residential or Commercial security
Loan Purpose: Purchase or Construction
Verification Required: 2 payslips OR last 2 years financials/tax assessment notices
Minimum Loan Amount: $100,000
Maximum Loan Amount: $25,000,000 (70% LVR)
$5,000,000 (75% LVR)
$2,000,000 (80% LVR)
Maximum LVR: 80%
Loan Term: Interest budget period set to suit applicants requirements (maximum 2 years), where there is to be residual debt – terms can be provided up to 30 years
Repayment Type: Interest only during interest budget term reverting to P&I up to 30 years
Redraw Available: Yes^
Application Fee (excl. Val. & Legal Fees): 1.25%
Risk Fee: $0
Additional Repayments: Yes
Current Rate^: 8.49%
Comparison Rate*: 8.82%
Security Type: Residential or Commercial security
Loan Purpose: Purchase or Construction
Verification Required: Borrower repayment declaration PLUS one of the following; accountant’s letter, BAS or Trading Statements
Minimum Loan Amount: $100,000
Maximum Loan Amount: $25,000,000 (70% LVR)
$5,000,000 (75% LVR)
$2,000,000 (80% LVR)
Maximum LVR: 80%
Loan Term: Interest budget period set to suit applicants requirements (maximum 2 years), where there is to be residual debt – terms can be provided up to 30 years
Repayment Type: Interest only during interest budget term reverting to P&I up to 30 years
Redraw Available: Yes^
Application Fee (excl. Val. & Legal Fees): 1.25%
Risk Fee: $0
Additional Repayments: Yes
Consumer advisory note: Maximum loan amounts and LVRs may vary based on security offered. * The comparison rate is based on secured credit of $150,000 and a term of 25 years. WARNING – Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan. Terms, conditions, fees, charges and La Trobe Financial lending criteria apply. ^ Depends on the loan amount and risk grade of borrower.
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If you would like to apply directly with us, you can use our Express Enquiry Form.
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Financial Hardship
If you are experiencing financial strain due to unexpected circumstances, assistance is available. Please visit our Financial Hardship page. You can also call the team on 1800 620 639 between 8:30am and 5:30pm (AEST) Monday to Friday.
How to Get Started
Select a Product
Explore our range of lending options and select the loan that suits your needs.
Contact Your Broker
Talk to your finance professional and ask them to contact La Trobe Financial.
or Apply Online
If you would like to apply directly with us, you can use our Express Enquiry Form. Fill in some quick details and our friendly lending consultants will call you back to discuss the best options for you.
Talk to us
We are always here to help. Talk to our friendly lending consultants and find the lending option that suits your needs.
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