About bridgingloan.help

One number, one timeline: what a bridging loan costs you, and whether the sale holds up.

Bridging finance gets explained as a product, with a rate sheet and a lender list. But the people who need it are not shopping for a product — they have already bought the next house and are waiting on the old one to sell. Their problem is arithmetic under time pressure: how much do I bridge, how long will I hold it, and what does the delay cost me every week? This site is organised around that question instead.

What we do

Run an estimate of the cost of your bridging facility: the daily interest on the amount you bridge, the total interest over your expected holding period, the repayment estimate, and the total cost including one-off fees.
Explain, in plain English, how bridging costs are built — daily accrual, time limits, establishment fees, and the difference between the amount you request and the amount you end up paying interest on.
Hand you off, free, to a licensed mortgage broker who can review the same numbers against what lenders actually offer, with your figures attached so you do not retype them.

What we do not do

We do not quote lender rates, publish rate tables or rank lenders.
We are not a lender, credit provider or credit broker, and we do not hold an Australian Credit Licence or an Australian Financial Services Licence.
We do not give personal financial advice, approve credit, or offer you a rate.
We do not arrange the sale of your property, time the market, or tell you what to pay for a house.
We do not decide for you. The calculator gives a verdict on the arithmetic; the decision and the contract are yours.

How the calculator works, and where it stops

The calculator takes your purchase price, the deposit or equity you already have, the bridging rate, the number of days you expect to hold the facility, a repayment frequency and your one-off fees. It bridges the difference, accrues interest daily on the difference plus the fees you told it to include, and shows you the total.

Three assumptions are built in, and you should know all three before you trust the number:

Interest accrues by the actual day count, which is the common convention for Australian short-term bridging. Some contracts calculate differently — the difference on a six-month hold is small but real, and your contract is the one that counts.
One-off fees are treated as interest-bearing, because many bridging products roll fees into the amount financed. If your quote charges them separately and outside the balance, the interest will be lower than shown.
The facility is held to the end without rolling over. The calculator assumes you repay in full on the day you sell. If the sale slips past your expected date, the real cost is higher, and a rollover is a new approval with a new price.

It does not model the security and LVR the lender will require, valuation and legal costs that vary by property, whether interest is capitalised or paid as it accrues, or anything else that lives in the contract. Use it to get the shape of the decision, then check the details against your written quote.

Talk to a licensed mortgage broker

When you have run the numbers, you can send the whole result to a licensed mortgage broker for a free review. Your purchase price, rate, holding period, fees and the calculated result travel with the message, so the conversation starts where it should. A review is not a credit approval and not a rate offer — the lender decides whether to approve your application and on what terms.

The licensed mortgage broker who reviews your numbers is with Arrivau, the licensed mortgage broking business whose team publishes this site. If you leave your contact details, an Arrivau licensed broker follows up. Arrivau does not charge clients a fee for the consultation.

You can reach the same place from the calculator on the home page, from any guide on this site, or by emailing contact@bridgingloan.help.

Where our facts come from

Market figures come from official sources and carry the date they were read. The only market number used on this site is the cash rate target: 4.60%, effective 30 September 2026, decided 29 September 2026 (RBA media release), read on 3 October 2026. This site does not list lender rate tables or rankings. Rates move and they differ between borrowers. In the chat, a broker-side assistant can share current reference rates, which are indicative only and subject to assessment of your own application. The Reserve Bank publishes the cash rate target that lenders price off — see the reference below.

Legal

bridgingloan.help provides general information about bridging finance for an Australian property purchase. We are not a lender, credit provider or credit broker, and we do not hold an Australian Credit Licence or an Australian Financial Services Licence. Nothing here is personal financial advice, a credit approval, a rate offer or a recommendation to use any lender or broker. Check your own contract and any written quote before deciding, and talk to a licensed mortgage broker.

bridgingloan.help is operated in Australia by the Arrivau team. See the disclaimer and privacy policy.