Bridging Loan Calculator
Estimate the cost of a bridging loan in Australia, used to buy a new home before the old one sells. Enter the peak debt (the total you owe during the bridge), rate and term. Interest is often capitalised rather than repaid monthly.
How we estimate this
A bridging loan covers the gap when you buy a new home before your existing one sells. The lender looks at your 'peak debt' (both properties plus costs) and often capitalises the interest, so you may make no repayments during the bridging period, the interest is added to the balance instead.
Pricing reviewed: October 2026.
Doing more than just bridging loan?
Build a combined estimate across every part of your project in one place.
Understanding bridging loans in Australia
A bridging loan covers the gap when you buy a new home before your existing one sells. The lender looks at your 'peak debt' (both properties plus costs) and often capitalises the interest, so you may make no repayments during the bridging period, the interest is added to the balance instead.
Once the old home sells, the proceeds reduce the debt to the 'end debt', which becomes a normal home loan. Bridging is short-term, so keeping the bridging period short and selling promptly is the main way to limit the interest cost.
Frequently asked questions
How does a bridging loan work in Australia?
It funds the gap between buying a new home and selling your old one. The lender assesses your peak debt and often capitalises the interest, so you may not make repayments until the old home sells and reduces the debt.
How is bridging loan interest calculated?
Interest accrues on the peak debt for the bridging period and is usually added to the loan balance rather than repaid monthly. A shorter bridging period means less interest, so a quick sale matters.
Are you a mortgage / finance broker?
Everyone on this page is working out what bridging loan costs because they are ready to hire. Put your business right beneath the calculator, in your state, so you are who they find. From $50/mo.