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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

Benefits of an ANZ bridging loan

Buy before you sell

Buy your next home without having to sell your existing property first.

Avoid renting between homes

Stay in your current property while you wait for your next house to settle, without the hassle of renting in between.

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.

Download guide (PDF)

Bridging loans explained

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 LVR).disclaimer

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 or speak to your Lender or Broker.

The information on this page does not apply to ANZ Plus products

Things to consider

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.


Connect with our home loan specialists or apply

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.

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Call back time is 1-3 business days.

Request a call back


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.

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Call back time is 1-3 business days.

Apply online


Call us

Monday - Friday 8am to 8pm (Sydney/Melbourne time)

1800 100 641  


Other ways to get in touch

Meet with a mobile lenderdisclaimer

Book a branch appointment

Book a First Home Buyer Coach

You can also chat to an ANZ accredited broker for help with your home buying, investing or refinancing needs.

Your bridging loan questions answered

ANZ bridging loans have a maximum loan term of 12 months. You should be confident that you’ll be able to sell your current property within this timeframe.

No, generally the term of a bridging loan can't be extended above the maximum loan term of 12 months. 

You may be able to borrow up to 80% of the value of the new property, as assessed by ANZ.

If you’re not eligible for bridging finance or it’s just not right for you, you could consider alternative options such as setting up a same day settlement. Speak to one of our home loan specialists about your options. 

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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 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.


LVR 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.


ANZ 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.