Funding for
Settlement bridging
Your settlement date is locked but the funds aren't ready - your bank is too slow, finance fell through, or your own sale is running late. Settlement bridging covers the gap with short-term capital secured against property, released in days, so your company or trust completes on time and avoids penalty interest or a Notice to Complete.
Cover your settlement on time.
The amount, the asset and the timeframe. We’ll match you with a funder and email you their introduction. Reply to it and they’ll be in touch.
- No cost and no obligation. An enquiry is not a commitment to anything.
- We match you with a funder and email you their introduction. Reply to it and they take it from there.
- Your details stay with us until you reply to the introduction.
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Send an enquiry
Takes two minutes.
When the settlement date won’t wait
A contract has a settlement date, and that date is binding. If the money isn’t there on the day - your bank can’t complete in time, finance fell through at the last step, or your own sale is running late in a buy-before-you-sell chain - the cost lands quickly. Standard Australian contracts let the other side charge penalty interest, often around 9-12% p.a. on the unpaid balance, accruing daily until you complete. Miss it further and you can be served a Notice to Complete (usually at least 14 days), with your deposit and the deal itself exposed if the notice expires. The deadline is the problem; the gap is short; the consequences aren’t.
How settlement bridging closes the gap
Settlement bridging is short-term funding secured against property - the asset you already own, the one you’re buying, or both - released fast so your company or trust completes on time. The structure follows the urgency: a caveat-based bridge is the quickest where there’s already a senior mortgage in place, while a registered first or second mortgage suits a larger or slightly longer gap. Either way it’s a bridge, not long-term debt - sized to the shortfall and repaid the moment the gap closes, when your sale settles, your bank completes the refinance, or the incoming funds arrive.
What makes a clean settlement bridge
Three things carry a settlement bridge: property security, a realistic figure, and a clear exit. The exit matters most - the signed sale contract behind a buy-before-you-sell gap, the bank approval landing a few weeks late, the maturing facility being refinanced. With those in view, terms can often be confirmed in days and settlement arranged inside a tight window, including within a Notice to Complete period in many cases. Indicative ranges are representative and subject to assessment; the exit and the security set the actual terms.
- Companies or trusts facing a settlement date their bank or sale can't meet in time
- Buy-before-you-sell gaps, where an incoming sale is the exit
- Borrowers facing penalty interest or a Notice to Complete who need to settle now
- Owner-occupier consumer borrowers (business-purpose only)
- Anyone without a clear near-term exit such as a sale or incoming refinance
- Situations where the underlying deal itself isn't viable
Sounds like your situation?
Tell us the amount, the asset and the timeframe. We’ll match you with a funder and email you their introduction.
How it compares
FAQ
How fast can a settlement bridge be arranged?
Often within days once we have the security details and a clear exit. Caveat-based bridges are usually the quickest.
Can you cover a settlement if my own sale is running late?
Yes. A buy-before-you-sell timing gap is a common use, and the incoming sale is usually the exit.
I've been served a Notice to Complete - can you still help?
Often yes. A Notice to Complete usually runs at least 14 days, and a property-secured bridge can settle inside that window where there's a clear exit.
Does bridging stop the penalty interest?
Penalty interest accrues until you complete. Bridging to settle sooner is what limits it, rather than undoing what has already accrued.
What if my bank approval will not arrive before the settlement date?
A short private facility can settle the purchase on time, secured against the property being bought, other property or both, and is refinanced by the bank loan when it is ready. It needs to be started as soon as a delay looks likely.
Cover your settlement on time.
No cost, no obligation. The form is back up the page and takes two minutes.