Timing doesn’t always line up in the property market – that’s why we’re here to bridge the gap. Benefit from flexible terms, competitive rates, and a dedicated team ready to guide you every step of the way.
Choosing the right solution for you
Amazing coverage between buying and selling
Whether you’re upgrading or downsizing, a bridging loan can provide a solution that allows you to avoid the stress of having to sell your home first and find temporary accommodation while you search for your next home.
A Well Money bridging home loan is packed with features.
Convenient and simple way to start saving on your interest. Pop in your salary each month and use the Visa Debit card facility to access your funds.
Our bridging relocation loan offers up to 80% LVR on "peak debt," which includes your current mortgage plus the new loan needed to buy your property.
Got an unconditional contract of sale? We can be flexible with the way our servicing is calculated, giving you more options.
To help with your bridging loan, we can capitalise the Interest^ until your existing home sells (up to 6 months).
Featured Well Money bridging home loans
Get lower rates from day 1 with our super-low rate home loans.
No unfair loyalty systems or unnecessary features. Just great features, at a great rate.
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At Well Money, we’re here to make borrowing simple, personal, and stress-free. Fill in your details below, and one of our dedicated loan experts will reach out to guide you every step of the way—whether you’re buying, refinancing, or exploring your options.
Great rates, tailored solutions, and expert support are just a few clicks away. Take the first step today!
Introduction to bridging
Bridging loans are short-term loans designed to bridge the gap between selling your current property and buying a new one. They provide immediate cash flow for buyers who would otherwise have to wait for their current home to sell.
With a bridging loan, you can purchase your new home before you’ve sold your existing property. The loan is secured against your existing property, and when you sell it, the proceeds are used to pay off the bridging loan.
With a bridging loan, you can purchase your new home before you’ve sold your existing property. The loan is secured against your existing property, and when you sell it, the proceeds are used to pay off the bridging loan.
Bridging loans are frequently used to fund property purchases at auctions, renovation projects, or real estate development opportunities. They can also be used in any situation where you need short-term financing related to real estate.
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Once you’re ready to chat about a Well Money bridging home loan it only takes a few minutes to get started. Filling out our easy enquiry form (so that we can make sure you’re eligible) is all it takes!
At Well, it’s as personal as online gets.
Enquire about our bridging finance home loans by filling out the enquiry form, booking an appointment online or using our livechat features.
Once we've got your enquiry, we'll get you booked in with an expert who can chat to you about your bridging options.
Once you've been approved, you'll be able to rest assured that you're ready to go with the buying and selling process.
Once you've settled your bridging home loan, you can start the process of getting your old place sold while you relax in your new one.
Really important information
Got questions?
You have a period of 6 months in order to sell your current property. You will need to have an unconditional contract of sale for the sale of your property.
If the existing home has not been sold once the Bridging Finance period ends, repayments will be required on the new home loan in addition to repayments on the existing home loan.
Every loan is different! You will need to make repayments on a Principal and Interest basis, though the interest may be capitalised, i.e. added to the loan amount you will owe at the end of the bridging period once your property is sold. While you can make additional repayments during the bridging period, be aware that there is no redraw facility. You can also use an offset facility to minimise the amount of interest you are charged.
Fees should be transparent as we don’t like bill shock either!
Unlike other lenders, we don’t like to hide our fees in our rates. That’s just one of the many reasons why our home loan rates are some of the lowest in the market. We could just bump our rates up a little and say “no fees!” – but that’s just not us.
(not built into our rates unlike other "fee-free" lenders with higher rates)
(These will vary by state but usually includes title rego, discharge of outgoing and title search costs)
(These will vary by state but usually includes title rego, discharge of outgoing and title search costs)
(These will vary by state but usually includes title rego, discharge of outgoing and title search costs)
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The comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Lending criteria, fees and conditions apply. Rates, fees and conditions are indicative, available for new loans only and subject to change without notice.
NOTE: The comparison rate shown in this example assumes a maximum LVR of 80% and no offset option. If your LVR is different and/or you take an offset option, your comparison rate will be different.
Interest rates current as at the following date: 7th January 2025. Interest rates are subject to change at any time without notice. The actual interest rate on your home loan will be quoted at the time of settlement along with the actual repayment amounts.
Interest Rates may change between the time of your application and settlement of your loan due to market conditions.
Interest rates for existing customers may not be the same as interest rates for new customers. If you have paid a Rate Lock Fee, the rate provided will be listed on your letter of offer and will take effect upon acceptance and payment of the rate lock fee. Rate lock is not available for all fixed rates products.
Fees and charges apply to all loan products. Loan setup fees are payable at settlement. Any discounts or special offers apply only to the fees shown on this page and will be outlined in the loan contract.
Any fees that are payable to third parties, such as Solicitor Documentation Fees are incurred by service providers external from your Lender, are variable in nature depending on the services provided and are passed directly to the applicants. These costs are usually noted as “not ascertainable” and quotes provided with “from” are a reasonable estimate of what we know the costs can start from. This amount does NOT include all costs that may be incurred by these third parties.
Other fees may apply, including a Loan Processing Fee charged by Lender and depends on the structure of your loan. While usually “not ascertainable”, the fee is from $150 which is a reasonable estimate of the fee and will be advised to you in your loan contracts.
^ Valuation fee – Up to $300 free (Well Money will pay up to $300 per loan, any excess valuation fees are payable by the borrower(s))
For loans with an LVR over 80%, LMI will be required. This premium is to be paid by the borrower and may be payable from loan proceeds.
All applications for credit are subject to our credit approval criteria. Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether the information on this site is appropriate for you. Before making any decision in relation to any of our products you should read the relevant terms and conditions available at the Terms and Conditions page and at our Eligibility page when you apply online.
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Well Money® is the trading name of Flexstar Mortgage Corporation Pty Ltd | ABN: 30 154 777 152 | Australian Credit Licence 430334
