Bridging Loan Melbourne | Bridging Finance Melbourne

Bridging loans provide a short-term financing solution that allows you to purchase a new property before selling your existing one. At Intuitive Finance, we offer expert guidance to help you navigate the complexities of bridging loans, ensuring you secure the best option for your financial needs.

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What are Bridging Loans?

A bridging loan is a short-term loan that helps you finance the purchase of a new property while you wait for your existing property to sell. This type of loan covers the gap between buying your new home and selling your old one, ensuring a smooth transition without the need for immediate sale. Bridging loans provide the necessary funds to secure your new property, offering peace of mind and financial flexibility during the process.

Types of Bridging Loans

Closed Bridging Loan

A closed bridging loan is available to borrowers who have already exchanged contracts on the sale of their existing property but have not yet completed the sale. This type of loan has a fixed end date, providing certainty about when the loan will be repaid.

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ADVANTAGES

Flexibility: Allows you to buy a new property before selling your current one.
Short-Term Solution: Provides temporary financing to bridge the gap between transactions.
Peace of Mind: Ensures a smooth transition without the pressure of immediate sale.

Open Bridging Loan

An open bridging loan is suitable for borrowers who have found a new property but have not yet sold their existing one. This type of loan does not have a fixed end date, offering more flexibility but typically comes with higher interest rates due to the increased risk.

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DISADVANTAGES

Higher Interest Rates: Typically comes with higher interest rates compared to standard home loans.
Increased Risk: Financial risk if your existing property takes longer to sell than expected.
Additional Costs: May include additional fees and charges.

What’s Involved in Obtaining a Commercial Loan Through Intuitive Finance?

Initial Meeting

A 1-hour session to establish your financial and lifestyle goals, discuss the fact-finding document, and agree on a timeline for its return.

Fact Finding Submission

We will submit the completed fact-finding document.

Strategy Submission

Within 5 days of receiving the completed fact-finding, a written strategy is submitted to you.

Document Lodgement

Within 2 days of agreeing to proceed, documents are lodged with the institution.

Conditional Approval

Expect conditional approval within 1 to 3 days of lodgement.

Unconditional Approval

Expect unconditional (full) approval within 2 to 4 days after conditional approval.

Loan Documents Arrival

Expect loan documents to arrive within 2 to 5 days after unconditional approval.

Loan Settlement

Expect loan settlement within 3 to 5 days after submitting the signed loan documents.

Complimentary Obligation-Free Consultation

Discuss your specific needs and discover the best financing options for you. Get in touch to
organise your complimentary 60-minute session today!

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Real Feedback from Real Clients

See All Reviews

Shaun Chan

06:25 23 May 25

Bonnie, Natasha and the team were fantastic from start to finish. Responsive, knowledgeable, and genuinely invested in helping me secure the best possible outcome. They made the entire mortgage process smooth and stress-free. Highly recommend!

Dan Bessant

07:57 21 May 25

Once again an absolute pleasure working with the team and getting the results we required.

Pat Bollard

01:12 16 May 25

The team at Intuitive Finance were an absolute pleasure to work with. Their level of support, communication and responsiveness are invaluable during the process of dealing with loans & finance.Highly recommend them.

Carolina Strazzari

06:47 13 May 25

We recently bought our first home and had an amazing experience with Intuitive Finance. The team was incredibly patient and helpful throughout the entire process. Alexandra created a detailed and thoughtful financial plan tailored to our needs and was always available to answer questions and guide us toward the best solutions. Natasha was also fantastic—always prompt, supportive, and clear in her communication. Their guidance made the whole journey much smoother. We’re so grateful for their support and highly recommend their services!

Vinoth Puvichandran

06:43 06 May 25

I can't thank Lachlan and Craig, enough for their outstanding support throughout the entire loan process. Despite several hurdles along the way, they handled everything with professionalism, persistence, and dedication, ensuring the process moved forward smoothly. They made what could have been a complicated experience easy to navigate, and I truly appreciated how they went above and beyond at every stage.Highly recommend Lachlan and his team for anyone looking for a finance broker who genuinely cares and gets results. I look forward to working with them again for my next property purchase!

Theo Gotsis

05:05 15 Apr 25

The team at Intuitive have been fantastic to work with. Special thankyou to Lachlan, Craig and Fred for their expert advice and help along the way. Their experience and expertise have been invaluable. They promptly processed the refinancing of my loan and kept me informed on details along the process, which is much appreciated. I highly recommend them. Thank you.

Kim Krajewski

09:58 20 Mar 25

I am so appreciative of all the work Bonnie and the Intuitive team put in, to help me obtain the perfect finance for the next step in my life.Buying property is one of the most stressful things you’ll ever do, and I was dreading it!However Natasha, Melissa, Clarise, Andrew and Bonnie were all amazing at helping me through the application for finance. They all provided exceptional care, a wealth of knowledge and always got back to me promptly with answers to all my questions 😄The whole team had a great ability to put me at ease throughout the whole process! I can’t thank you all enough and I’m so happy in my new home!I would wholeheartedly recommend the Intuitive finance team 100% as the finance brokers for anyone needing help with financing!Thanks again so much, you’ve helped me get to the place I wanted to be!

Danielle de Rome

02:35 13 Mar 25

I worked with Alexandra Pappas over a number of years as our goals shifted until I finally purchased my first property. Alex was always professional and clear in her explanations. Alex helped us navigate a few curly scenarios and I am grateful to have had her on my team throughout the process.

Jack Tarpley

01:44 13 Mar 25

Fantastic service! Super knowledgeable of the market, access to huge amount of lenders & thorough communication! Highly recommended this team.

Jason Bourne

05:06 28 Feb 25

This was my second home buying experience and I went back to Intuitive finance as I was impressed the first time and I was not disappointed! Lachlan was amazing as was Natasha who was helpful, informative and very communicative in answering all questions. Nothing was too much trouble and I am grateful that the service has been the same if not better than my first time I used them! I could not recommend them enough!!

dizzalenko

14:03 05 Feb 25

I am blown away by the exceptional service provided by Craig and the entire team at Intuitive Finance. Their expertise and dedication to finding the best financial solutions for us were truly impressive.We had a complex situation with multiple properties, and Craig took the time to understand our needs and worked tirelessly to secure the best possible deals. We refinanced three of our properties, and the process was seamless thanks to Craig's guidance.Their communication was outstanding, keeping us informed every step of the way. What really stood out was their willingness to go above and beyond to ensure our financial goals were met. Their professionalism, knowledge, and passion for their work are a rare find in the finance industry.We can't recommend Craig and the team at Intuitive Finance highly enough. If you're looking for a finance broker who will truly look after your interests, look no further.Thanks Michael & Alana

Simon Flower

03:31 22 Jan 25

Third time I have used these guys and each time they proven their worth by guiding me through the relentless (and sometimes crazy) demands of various lenders. Special thanks to Natasha, Craig and Andrew for their patience and support. I don't hesitate to recommend Intuitive Finance and will use again when required.

Dave Mcg

21:59 16 Jan 25

Have employed Intuitive a number of times now to refinance. They make the process very easy and are great at finding the best options. Highly recommend

Karin Brown

05:25 12 Jan 25

Craig and all the team at Intuitive Finance were fantastic in ensuring we were able to manage our investment purchase with excitement not fear. Their communication with us allowed us to feel confident with all our decisions. I highly recommend contacting the team at Intuitive if you are thinking about purchasing a property.

Stacey L

06:53 03 Jan 25

It was an absolute pleasure working with Intuitive Finance. The whole team was very professional and helped my partner and I purchase our first home. We would definitely work with them again in the future. A special thank you goes out to Alex who was always approachable with any questions we had.

Our Commitment to the Community

With every loan we settle, you can choose to support Challenge – supporting
kids with cancer, the Movember Foundation, or the Lungitude Foundation.
We donate $20 to your chosen charity and make annual contributions. It’s our
way of giving back and helping those in need.

Bridging Loans