Bridging Finance

Timing shouldn't decide.
You should.

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Property transitions without the pressure. Flexible short-term funding designed to unlock equity, bridge timing gaps and provide the certainty to act when opportunity arises.

Common Scenarios

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Buy Now. Sell Later.

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Buy Now. Sell Later.

Purchase the next property before selling the current one, removing the pressure of synchronising settlement dates.

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Downsizing

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Downsizing

Access equity from the existing home to secure the next chapter before the sale process is complete.

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No End Debt

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No End Debt

Unlock property equity without requiring a simultaneous property sale or immediate refinance strategy.

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Equity Release

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Equity Release

Access property equity to fund investment opportunities, renovations, debt consolidation or major life events.

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Urgent Settlement

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Urgent Settlement

Meet time-sensitive settlement deadlines when traditional lending timeframes are not practical.

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Later-Life Borrowers

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Later-Life Borrowers

Funding solutions designed for borrowers whose circumstances may not align with traditional servicing requirements.

Bridging Solutions

Purchase before selling and navigate property transitions without the pressure of aligning settlement dates.

Facility Size

$150k – $10M

Max Leverage

Up to 80% LVR (Peak Debt)

Repayments

Interest prepaid or capitalised

Income Reliance

Not required for qualifying No End Debt scenarios

Capitalised rate from

8.22% p.a.*

Comparison rate: 6.90% p.a.#

Prepaid rate from

8.07% p.a.^

Comparison rate: 6.88% p.a.#

Submit Scenario →

Purchase before selling and navigate property transitions without the pressure of aligning settlement dates.

Facility Size

$150k – $10M

Max Leverage

Up to 80% LVR (Peak Debt)

Repayments

Interest prepaid or capitalised

Income Reliance

Not required for qualifying No End Debt scenarios

Capitalised rate from

8.22% p.a.*

Comparison rate: 6.90% p.a.#

Prepaid rate from

8.07% p.a.^

Comparison rate: 6.88% p.a.#

Submit Scenario →

Purchase before selling and navigate property transitions without the pressure of aligning settlement dates.

Facility Size

$150k – $10M

Max Leverage

Up to 80% LVR (Peak Debt)

Repayments

Interest prepaid or capitalised

Income Reliance

Not required for qualifying No End Debt scenarios

Capitalised rate from

8.22% p.a.*

Comparison rate: 6.90% p.a.#

Prepaid rate from

8.07% p.a.^

Comparison rate: 6.88% p.a.#

Submit Scenario →

Access equity tied up in property to fund renovations, travel and lifestyle goals, without the pressure of selling before you're ready.

Loan Size

$150k - $3m

Max Leverage

70% LVR (prepaid), 65% LVR (capitalised)

Repayments

Interest prepaid or capitalised

Income Reliance

Not required

Capitalised rate from

8.49% p.a.*

Comparison rate: 8.70% p.a.#

Prepaid rate from

8.07% p.a.*

Comparison rate: 8.23% p.a.#

Submit Scenario →

Access equity tied up in property to fund renovations, travel and lifestyle goals, without the pressure of selling before you're ready.

Loan Size

$150k - $3m

Max Leverage

70% LVR (prepaid), 65% LVR (capitalised)

Repayments

Interest prepaid or capitalised

Income Reliance

Not required

Capitalised rate from

8.49% p.a.*

Comparison rate: 8.70% p.a.#

Prepaid rate from

8.07% p.a.*

Comparison rate: 8.23% p.a.#

Submit Scenario →

Access equity tied up in property to fund renovations, travel and lifestyle goals, without the pressure of selling before you're ready.

Loan Size

$150k - $3m

Max Leverage

70% LVR (prepaid), 65% LVR (capitalised)

Repayments

Interest prepaid or capitalised

Income Reliance

Not required

Capitalised rate from

8.49% p.a.*

Comparison rate: 8.70% p.a.#

Prepaid rate from

8.07% p.a.*

Comparison rate: 8.23% p.a.#

Submit Scenario →

The Assetline Advantage

Assetline Capital Horizon Mortgages long-term property-backed lending solution

Property Transition.

On Schedule.

Purchase

Exit

Sale

Fixed Risk Fee

0.75%

Assetline Capital Horizon Mortgages long-term property-backed lending solution

Property Transition.

On Schedule.

Purchase

Exit

Sale

Fixed Risk Fee

0.75%

Assetline Capital Horizon Mortgages long-term property-backed lending solution

Property Transition.

On Schedule.

Purchase

Exit

Sale

Fixed Risk Fee

0.75%

Assetline Capital Horizon Mortgages long-term property-backed lending solution

Duration

72 hours

bridging_assesment

.pdf

Criteria

Urgent Settlement

Scenario Submitted

Assessment Passed

Assetline Capital Horizon Mortgages long-term property-backed lending solution

Duration

72 hours

bridging_assesment

.pdf

Criteria

Urgent Settlement

Scenario Submitted

Assessment Passed

Assetline Capital Horizon Mortgages long-term property-backed lending solution

Duration

72 hours

bridging_assesment

.pdf

Criteria

Urgent Settlement

Scenario Submitted

Assessment Passed

Flexible Interest Options

Choose to prepay interest for sharper pricing or capitalise it to preserve cash flow during the loan term.

No End Debt Options

Qualifying borrowers may not require traditional income servicing where no end debt remains.

Flexible Loan Terms

Terms of up to 24 months designed to support complex property transitions.

Property-Led Assessment

We assess the property and the transition strategy, not just the income position.

Broker Tools & Resources

Bridging Finance Application Form

Application form for bridging loan and equity release scenarios.

Bridging Finance Broker Toolkit

Product features, lending criteria, loan limits, rates and fees for Bridging Finance.

Bridging Finance Rate Card

Current pricing, fees and lending parameters for bridging and equity release solutions.

Bridging Finance Document Checklist

Supporting documentation requirements for Bridging and Equity Release loan applications.

Bridging Loans Flyer

Overview of our bridging loan solution, designed to remove timing pressure during property transitions.

Equity Release Flyer

Overview of our equity release solution that helps borrowers unlock equity without the pressure of an immediate sale.

Accountant Declaration (Bridging Finance)

Certified accountant declaration for Alt Doc income verification.

Discharge Authority (Bridging Finance)

Form authorising the discharge of an existing bridging finance facility.

Bridging Finance Application Form

Application form for bridging loan and equity release scenarios.

Bridging Finance Broker Toolkit

Product features, lending criteria, loan limits, rates and fees for Bridging Finance.

Bridging Finance Rate Card

Current pricing, fees and lending parameters for bridging and equity release solutions.

Bridging Finance Document Checklist

Supporting documentation requirements for Bridging and Equity Release loan applications.

Bridging Loans Flyer

Overview of our bridging loan solution, designed to remove timing pressure during property transitions.

Equity Release Flyer

Overview of our equity release solution that helps borrowers unlock equity without the pressure of an immediate sale.

Accountant Declaration (Bridging Finance)

Certified accountant declaration for Alt Doc income verification.

Discharge Authority (Bridging Finance)

Form authorising the discharge of an existing bridging finance facility.

Bridging Finance Application Form

Application form for bridging loan and equity release scenarios.

Bridging Finance Broker Toolkit

Product features, lending criteria, loan limits, rates and fees for Bridging Finance.

Bridging Finance Rate Card

Current pricing, fees and lending parameters for bridging and equity release solutions.

Bridging Finance Document Checklist

Supporting documentation requirements for Bridging and Equity Release loan applications.

Bridging Loans Flyer

Overview of our bridging loan solution, designed to remove timing pressure during property transitions.

Equity Release Flyer

Overview of our equity release solution that helps borrowers unlock equity without the pressure of an immediate sale.

Accountant Declaration (Bridging Finance)

Certified accountant declaration for Alt Doc income verification.

Discharge Authority (Bridging Finance)

Form authorising the discharge of an existing bridging finance facility.

Disclaimer

*Terms and conditions, fees and charges apply. All applications are subject to eligibility and credit assessment criteria. Not all applicants will qualify, and rates, loan amounts and terms may vary.

*Bridging loans, an interest rate of 8.22% p.a. applies for the first 12 months with LVR <70%. A Loyalty Rate (currently 6.59% p.a. variable) may apply after this where the loan is repaid from the sale of your existing property and subject to approval. This rate is not guaranteed.

^Prepaid Bridging loans, an interest rate of 8.07% p.a. applies for the first 12 months with LVR <70%. A Loyalty Rate (currently 6.59% p.a. variable) may apply after this where the loan is repaid from the sale of your existing property and subject to approval. This rate is not guaranteed.

#The comparison rate is based on a $150,000 loan over 25 years, with LVR <70% for the first 12 months reverting to our Loyalty Rate thereafter. WARNING: This comparison rate applies only to the example or examples given. 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.