Bridging finance, settled in days.
Bridging finance is short-term, property-secured credit that lets a borrower move on a new opportunity or a settlement obligation before their existing property, refinance, or capital event has completed. Envision Private arranges bridging on first- or second-mortgage security across Australia, with wholesale investor capital ready to move at short notice.
When it makes sense
- Purchasing a new property before an existing one has sold
- Settling on an auction or off-market opportunity ahead of a bank refinance
- Covering a settlement while a longer-term facility is being finalised
- Funding stamp duty, GST or transaction costs on a commercial acquisition
- Releasing equity from one asset to complete on another
- Business acquisitions where the exit is a defined capital event
Indicative loan parameters
| Loan size | $250,000 – $20,000,000+ |
| LVR | Up to 75% of current market value |
| Term | 1 – 12 months |
| Interest | Prepaid or capitalised |
| Security | 1st or 2nd mortgage over Australian property |
| Exit | Sale, refinance, or defined capital event |
How the process works
- Deal snapshot — security, LVR, term, exit strategy.
- Indicative terms — typically within 24 hours.
- Credit approval — valuation and exit-strategy review.
- Documentation — loan agreement and mortgage.
- Settlement — often within 5–10 business days from indicative terms.