This loan helps bridge the gap for up to 12 months, providing the funds you need to buy your new home before your current property is sold.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 9.10% | 9.22% | Variable · investment · interest only | Bridging | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L32_IOBRIDG_INV_INTVS012- Content hash
sha256 7423809eded21e67d67fb8b2d4b4669feeb3334245425866f243fa1689e19955- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_7423809eded21e67_a200ed3aShow details
- Checked
- 1 Nov 2026
- URL
https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L32_IOBRIDG_INV_INTVS012- Content hash
sha256 7423809eded21e67d67fb8b2d4b4669feeb3334245425866f243fa1689e19955- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| LOAN_ESTABLISHMENT_FEE_-_MORTGAGE_LOAN_(NEW) | Upfront | $500.00 |
| LOAN_ESTABLISHMENT_FEE_-_SECOND_MORTGAGE_LOAN_(NEW) | Upfront | $400.00 |
| VALUATION_FEE | Upfront | Set in your letter of offer |
| TITLE_SEARCH_FEE | Upfront | Set in your letter of offer |
| REGISTRATION_FEES | Upfront | Set in your letter of offer |
| STAMP_DUTY_(MORTGAGE) | Upfront | Set in your letter of offer |
| PEXA_SERVICE_FEE | Upfront | $0.00 |
| MORTGAGE_ADMINISTRATION_FEE | Event | $150.00 |
| CONSENT_FEE | Event | $300.00 |
| LATE_PAYMENT_FEE | Event | $15.00 |
| DEFAULT_NOTICE_FEE | Event | $50.00 |
| RE-DOCUMENTATION_FEE | Event | $250.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Redraw | Your loan comes with a repayment redraw facility. This gives you access to additional repayments if you are at least one full repayment ahead, you can redraw $100 or more. It's simple to redraw using our App or Online Banking. | |
| Npp payid | Get faster payments between participating banks, anytime with Pay ID | |
| Npp enabled | ||
| Other | Maximum 12 months. For bridging loans with a continuing debt following the sale of one property, loan to be reviewed on receipt of the sale proceeds to structure the continuing debt. All product options available at that time may be considered. | |
| Other | Monthly | |
| Extra repayments | You can make extra repayments or repay your loan in full at any time. Extra repayments may enable you to redraw funds, subject to conditions | |
| Other | If you will have a continuing debt after selling one property, the maximum LVR is 75% during the bridging period. If loan will be fully repaid after the sale of one property, the maximum LVR is 60% during the bridging period. | |
| Digital banking | 24/7 access via internet banking and mobile app | |
| Other | Splitting is when you divide one loan into two or more loan accounts, generally with different loan types, repayment types or interest rates. | |
| Eligibility: natural person | ||
| Eligibility: min age | 18 | Individuals must have the legal capacity to enter into the loan contract, provide acceptable identification documentation and be 18 years or older |
| Eligibility: employment status | Employed | |
| Eligibility: residency status | Permanent Resident | You must be an Australian citizen or permanent resident to apply |
| Eligibility: other | Applications for credit are subject to the Bank's eligibility and suitability criteria and normal credit approval process. | |
| Eligibility: other | Loan is restricted to the purchase of an investment property before an existing property is sold | |
| Limit: opening balance | 0.00 | |
| Limit: max balance | 5000000.00 | |
| Limit: max lvr | 0.75 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · investment · interest only | 1 Nov 2026 | Current | 9.10% | 9.22% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
Tags
| Tag | Meaning | Effect |
|---|---|---|
purpose:bridging | Bridging | Left out of the standard home loan table |
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