What We Fund: Bridging Finance
Bridging and short-term property finance
Short-term capital secured against property, structured around how you'll actually repay it, and backed by a lender who can fund what comes next.
What We Fund
Bridging and short-term property finance
Short-term capital secured against property, structured around how you'll actually repay it, and backed by a lender who can fund what comes next.
$3m to $15m
Facility size
3 to 12 months
Term
65%
Maximum LVR
National
Coverage
One credit team, from settlement to completion.
Most bridging lenders fund the immediate gap, then their role ends. When it’s time to move into construction, you’re left sourcing and dealing with a new lender who has to assess the project from the beginning.
Construct Financial can structure funding across the full development lifecycle, from acquisition and bridging through to construction, completion and capital required along the way.
A Clear Path to Construction
Where Construct Financial is a credible construction funding option for the site, we can identify that early and structure the bridging finance with the next stage in mind.
One credit process
Valuation and due diligence carry across. One set of documents, one point of contact.
When Bridging Finance Keeps the Deal Moving
1
Securing a site before you build
Settles the acquisition and gives you runway to finalise permits, presales and a senior debt facility without losing the deal.
2
A sale that has not settled yet
Covers the gap between buying and the proceeds arriving, without forcing a discounted sale on the outgoing asset.
3
An approval that did not land in time
Preserves the transaction when a bank indicative offer fails to convert and you are days from losing a deposit.
4
Refinancing an expiring facility
Retires outgoing debt and removes default risk while the incoming refinance completes.
5
Releasing equity from a completed project
A short-term facility against residual stock or a completed asset releases capital for the next site.
6
Partner buyouts and restructures
Short-term secured capital lets a joint venture buyout or ownership restructure complete on its own timeline.
Recent Transaction
Moorebank, NSW
$5.7m
Facility
68%
LVR
18
Month Term
Security
1st Mortgage
The borrower was at completion but needed a bridging loan to sell down their townhouse development in Moorebank, NSW.
View all case studies
Recent Transaction
Richmond, VIC
$8.8m
Facility
63%
LVR
12
Month Term
Security
1st & 2nd Mortgage
The borrower needed a bridging loan whilst waiting for a DA alteration for their hotel project.
View all case studies
A clear process from enquiry to settlement
1
Transaction discussion
The property, the amount, the timeline and the exit. Usually enough for us to tell you whether it is fundable and roughly on what terms.
2
Indicative terms
A written indication covering facility amount, rate, fees, term and conditions, with a stated acceptance period.
3
Valuation and due diligence
Valuation ordered or existing valuation assessed. Title, security and repayment evidence reviewed in parallel.
4
Documentation and settlement
Letter of offer issued, documents prepared with our solicitors, settlement booked.
What actually slows a bridging settlement
Short-term finance is sold on speed, and speed is real, but it is determined by preparation rather than by the lender. Three things account for almost every delay.
Valuations
The single biggest constraint. Where an existing valuation is current and on a suitable basis, timelines compress sharply. Where a new valuation is required, the settlement moves at the valuer's pace.
Security and title
Caveats, mortgages requiring discharge, complex title structures and leases requiring consent all add time. None are dealbreakers. They need to be surfaced early.
Repayment evidence
A contract of sale, a term sheet from the incoming financier, or a marketing appraisal from a local agent. The stronger the evidence, the shorter the assessment.
A funding gap does not have to become a stalled development.
Whether you are acquiring a site, commencing construction, replacing an existing lender or addressing a cost overrun, speak with a team that understands development finance from the ground up.