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ANZ bridging loans
An ANZ bridging loan could give you the flexibility to buy now and sell later.
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Find out if an ANZ bridging loan could be right for you
Buy when the time is right
With a loan term of up to 12 months, a bridging loan can help you buy and sell when the time is right for you.
Interest only repayments
Make interest only repayments on the bridging loan with an ANZ Standard Variable interest rate for eligible ANZ bridging loans.
The information on this page does not apply to ANZ Plus products
Your guide to bridging loans
Check out ANZ's Guide to bridging loans for the key things you need to know and to help work out if a bridging loan could be right for you.
Here's an overview of how a bridging loan works. For more information, chat with your ANZ home loan specialist.
A bridge from your current home to your next one
A Bridging Loan helps you buy a home before you sell your current home, which could give you some breathing space to get your current home ready for sale.
Bridging loans can be pre-approved
Just like a traditional home loan, you can get pre-approvaldisclaimer on bridging finance – so you can house-hunt with confidence knowing how much you could borrow.
Borrow up to 80% of the new home's value
You may be able to borrow up to 80% of the value of the new home (known as your Loan to Value Ratio, or
You've got 12 months to sell your current home
With ANZ, you have up to 12 months from when you settle on your new home, to sell and settle on your current home. This gives you time to prepare your home for sale without a rush, and to plan for settlement.
Same competitive interest rates as a traditional home loan
With the ANZ Standard Variable Rate loan, the repayments are Interest Only during the bridging period. To see current rates, visit anz.com or speak to your Lender or Broker.
The information on this page does not apply to ANZ Plus products
There are some things to consider before deciding if a bridging loan is right for you.
- Not everyone qualifies for a bridging loan. Talk with your ANZ specialist about whether you qualify before making any commitments.
- To be eligible for a bridging loan you must be able to make the repayments on the ongoing loan plus the bridging loan. You may be required to hold savings to ensure you can cover all repayments during the bridging period.
- You should be confident that you can sell your home and pay down the bridging loan within your agreed term of up to 12 months.
- If you're approved for a bridging loan, you'll likely need to manage multiple repayments during the bridging period.
For more information and to help decide if bridging finance is the right option for you, talk to one of our home loan specialists.
Need to speak to a specialist?
Provide us with your details and one of our home loan specialists will get in touch. They can discuss issues including:
- Applying for a home loan
- Managing your existing loan
- Refinancing your home loan
- Interest rate enquiry
As well as any other home loan queries you may have.
Call back time is 1-3 business days.
Quick start application
Begin your home loan application journey by providing details about:
- You
- Your financial situation
- The loan you're applying for
One of our home loan specialists will then be in touch to progress with your application.
Call back time is 1-3 business days.
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Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. ANZ recommends you read the Terms and Conditions and Product Disclosure Statement, which are available at anz.com or by calling 13 13 14, before deciding whether to acquire, or continue to hold, the product.
Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.
ANZ may provide pre-approval (also known as approval in principle or conditional approval) to eligible customers who apply for an ANZ home loan and complete an application form and satisfy any other applicable requirements. Pre-approval is an approval for a loan subject to conditions being met, including that security is satisfactory to ANZ. Australian Credit Licence Number 234527.
ReturnLVR is the amount you’re looking to borrow, calculated as a percentage of the value of the property you want to buy. Property value is ANZ’s valuation of the security property and may be different to the price you pay for a property.
ReturnANZ Mobile Lenders operate as an independently operated ANZ Mortgage Solutions franchise of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian Credit Licence Number 234527.
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