Bridging Loan Rates, July 2026
Short-term finance to buy your next home before the current one sells, across Australian lenders, sorted by comparison rate. You carry both properties as 'peak debt' for the bridging period. Refreshed daily.
RBA cash rate 4.35%(effective 17 Jun 2026)|Rates updated |929 products|85+ Australian lenders
Editor's Pick · Ratesniffers Editorial Team
Top Home Loan Rates in July 2026
Reviewed by the Ratesniffers Editorial Team, July 2026
The sharpest bridging loan rates for buying before you sell. Bridging suits movers who have found the next home but not yet settled the sale of the current one. Closed bridging (with a signed sale contract) prices best. Refreshed daily, no commercial filtering.
Type
Lender & product
Rate p.a.
Comp. rate p.a.*
Max LVR
Variable rate
BCU BankBridging Loan
5.99%
6.03%
—
Fixed rate
Newcastle Permanent Building SocietyNewcastle Permanent Building Society Bridging Loan
6.29%
6.33%
80%
Bridging Loan
Owner-occupierVariableP&IExtra repayments
Interest
5.99%p.a.
Comparison*
6.03%p.a.
Monthly repayment
$2,995
LVR —
Standard Variable Home Loan (BRIDGING)
Owner-occupierVariableP&IOffsetRedraw
Interest
6.01%p.a.
Comparison*
6.05%p.a.
Monthly repayment
$3,001
LVR ≤80%
Standard Variable Rate (Bridging)
Owner-occupierVariableP&IOffsetRedraw
Interest
6.04%p.a.
Comparison*
6.08%p.a.
Monthly repayment
$3,011
LVR ≤80%
Bridging Loan OO
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
6.04%p.a.
Comparison*
6.08%p.a.
Monthly repayment
$3,011
LVR —
P&N Bank Bridging Loan
Owner-occupierVariableP&I
Interest
6.13%p.a.
Comparison*
6.17%p.a.
Monthly repayment
$3,040
LVR ≤80%
Relocation Home Loan (Bridging)
Owner-occupierVariableP&IOffsetRedraw
Interest
6.14%p.a.
Comparison*
6.18%p.a.
Monthly repayment
$3,043
LVR ≤70%
Relocation Home Loan (Bridging)
Owner-occupierVariableP&IOffset
Interest
6.14%p.a.
Comparison*
6.18%p.a.
Monthly repayment
$3,043
LVR ≤70%
Standard Variable MAV Package (Bridging)
Owner-occupierVariableP&IOffsetRedraw
Interest
6.15%p.a.
Comparison*
6.19%p.a.
Monthly repayment
$3,046
LVR ≤60%
Bankwest Simple Bridging Home Loan
Owner-occupierVariableP&IOffsetRedraw
Interest
6.19%p.a.
Comparison*
6.23%p.a.
Monthly repayment
$3,059
LVR ≤70%
Bridging Loan
Owner-occupier1y FixedP&IRedraw
Interest
6.29%p.a.
Comparison*
6.33%p.a.
Monthly repayment
$3,092
LVR ≤80%
Bridging Home Loan
Owner-occupierVariableInterest onlyExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR 70–80%
nextBlue Bridging O/Occ I/O (<80% LVR)
Owner-occupierVariableInterest onlyExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR —
LaTrobe Financial
Bridging (B)
Owner-occupierVariableP&I
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR ≤65%
Family First Credit Union Bridging Home Loan
Owner-occupierVariableP&I
Interest
6.70%p.a.
52d ago
Comparison*
6.78%p.a.
Monthly repayment
$3,226
LVR ≤80%
Yard Bridging Loan
Owner-occupierVariableP&IOffset
Interest
6.65%p.a.
52d ago
Comparison*
6.80%p.a.
Monthly repayment
$3,210
LVR ≤80%
Laboratories Credit Union Bridging Home Loan
Owner-occupierVariableP&IRedraw
Interest
7.49%p.a.
52d ago
Comparison*
7.51%p.a.
Monthly repayment
$3,493
LVR ≤80%
BRIDGING HOME LOAN
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
7.58%p.a.
29d ago
Comparison*
—
Monthly repayment
$3,524
LVR —
Broken Hill Community Credit Union
Broken Hill Community Credit Union Interest Only Housing Loans Owner Occupied (Bridging)
Owner-occupierVariableInterest only
Interest
7.54%p.a.
52d ago
Comparison*
7.59%p.a.
Monthly repayment
$3,510
LVR ≤95%
ANZ Bank
Standard Variable Home Loan (BRIDGING)
Owner-occupierVariableP&IOffsetRedraw
Interest
7.79%p.a.
Comparison*
7.79%p.a.
Monthly repayment
$3,596
LVR ≤80%
ORDE Financial
ORDE Financial Residential Bridging Prime
Owner-occupierVariableP&IRedraw
Interest
8.24%p.a.
52d ago
Comparison*
8.24%p.a.
Monthly repayment
$3,753
LVR ≤65%
Bridging Loan - Owner Occupied
Owner-occupierVariableInterest onlyRedraw
Interest
8.35%p.a.
27d ago
Comparison*
8.44%p.a.
Monthly repayment
$3,792
LVR —
Bridging Loan - Owner Occupied
Owner-occupierVariableInterest onlyRedraw
Interest
8.35%p.a.
27d ago
Comparison*
8.44%p.a.
Monthly repayment
$3,792
LVR —
Bridging Loan - Owner Occupied
Owner-occupierVariableInterest onlyRedraw
Interest
8.35%p.a.
27d ago
Comparison*
8.44%p.a.
Monthly repayment
$3,792
LVR —
Brighten Brighten Connect Prime (Bridging)
Owner-occupierVariableP&IRedraw
Interest
8.39%p.a.
52d ago
Comparison*
8.47%p.a.
Monthly repayment
$3,806
LVR ≤70%
Bridgit
OO Bridging - No End Debt
Owner-occupierVariableP&I
Interest
8.74%p.a.
Verify, 70d old
Comparison*
8.81%p.a.
Monthly repayment
$3,930
LVR ≤80%
CommFCU
BRIDGING LOAN (Interest Only)
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
8.94%p.a.
Comparison*
—
Monthly repayment
$4,002
LVR —
Bridging
Owner-occupierVariableInterest onlyExtra repayments
Interest
9.29%p.a.
Verify, 86d old
Comparison*
9.39%p.a.
Monthly repayment
$4,128
LVR —
Bendigo Bridging Home Loan
Owner-occupierVariableInterest onlyOffsetExtra repayments
Interest
10.29%p.a.
Comparison*
10.43%p.a.
Monthly repayment
$4,495
LVR —
Bridging Loan
Owner-occupierVariableInterest only
Interest
10.65%p.a.
50d ago
Comparison*
10.72%p.a.
Monthly repayment
$4,630
LVR —
*Important Information and Comparison Rate 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. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
What is a bridging loan?
A bridging loan is short-term finance that lets you buy your next home before your current one has sold. The lender combines both properties into a single "peak debt" for the bridging period, usually 6 to 12 months, and when your old home sells the proceeds pay it down to a normal "end debt" loan on the new place. As of 8 July 2026, the lowest bridging loan rate Ratesniffers tracks is 5.99% p.a.
How does a bridging loan work?
Peak debt is your existing loan balance plus the new purchase price and costs, minus any deposit. During the bridging term you usually make interest-only repayments, and sometimes the interest is capitalised (added to the loan). Once your old property sells, the net proceeds cut the debt to the end debt, which reverts to a standard principal-and-interest loan. Estimate that end-debt repayment with the repayment calculator.
Open vs closed bridging, what's the difference?
Closed bridging is when you already have a signed contract of sale on your existing home, so the lender knows when the debt clears; it is lower risk and usually cheaper. Open bridging is when your old home is not yet sold, so lenders charge more, cap the term tighter, and scrutinise your exit plan harder. Where you can, sell first or line up a firm sale to get the closed-bridging pricing.
Which lenders offer bridging loans?
As of 8 July 2026, Ratesniffers is tracking bridging finance from 29 Australian lenders, including major and customer-owned banks. Maximum bridging periods and whether interest can be capitalised vary widely, so lender fit matters. The table above ranks current bridging rates by comparison rate.
Bridging loan questions, answered
What is a bridging loan?
A bridging loan is short-term finance that lets you buy your next home before your current one has sold. The lender combines both properties into a single 'peak debt' for the bridging period (usually 6 to 12 months), you pay interest on the lot, and when your old home sells the proceeds pay down the debt, leaving a normal 'end debt' loan on the new property.
How does a bridging loan work?
The lender lends against both homes at once. Peak debt is your existing loan balance plus the new purchase price and costs, minus any deposit. During the bridging term you typically make interest-only repayments (sometimes the interest is capitalised, meaning added to the loan). Once your old property sells, the net proceeds reduce the debt to the 'end debt', which reverts to a standard principal-and-interest home loan.
What is the difference between open and closed bridging?
Closed bridging is when you already have a signed contract of sale on your existing home with a settlement date, so the lender knows when the debt will clear; it is lower risk and usually cheaper. Open bridging is when your old home is not yet sold, so there is no certain end date; lenders charge more, cap the term more tightly, and scrutinise your exit plan harder.
Which lenders offer bridging loans?
As of 8 July 2026, Ratesniffers is tracking bridging finance from 29 Australian lenders, including major banks and customer-owned banks. The live table above shows current bridging rates ranked by comparison rate. Terms, maximum bridging periods and whether interest can be capitalised vary widely, so the lender fit matters.
What are the risks of a bridging loan?
The main risk is your existing home selling for less than expected, or taking longer than the bridging term, which leaves you carrying interest on the full peak debt. To manage it, be realistic about your sale price (not the agent's optimistic quote), keep a buffer, and prefer closed bridging with a signed sale contract where you can. A broker can structure the peak-debt and exit plan to keep the risk contained.
Next: compare all home loan rates for your end-debt loan, check refinance options if you are also switching lenders, or estimate the numbers with the borrowing power calculator.