Summary
Loan Type: Blended Bridging Facility using 1st & 2nd Mortgage
Loan Amount: $3.6 million
Location: Tweed Heads, NSW
Property Type: Luxury waterfront residence
Challenge: Debt consolidation required while awaiting high-value sale
Solution: $3.6 million structured bridging loan allowed time to maximise sale price and reduce liabilities
Timing the Market on a Luxury Sale — Without Financial Strain
Selling a high-end property takes patience, especially if you want to achieve the best possible price. One client in Tweed Heads found themselves in this exact scenario. They owned a unique luxury waterfront residence and needed time to position the asset properly on the market. Simultaneously, they were under pressure to consolidate existing debts that were becoming increasingly burdensome.
Traditional finance wasn’t an option—the bank was moving too slowly, and standard loan structures didn’t account for the nuance of their sale timing and debt position. They needed short-term liquidity fast, without compromising the long-term value of their property. That’s when they approached Secured Lending.
Strategic Structuring with a $3.6 Million Bridging Loan
Secured Lending tailored a bridging facility totalling $3.6 million. The loan was structured using both a first and second mortgage on the Tweed Heads property. This dual-tier approach provided greater flexibility and allowed for the loan-to-value ratio (LVR) to remain within acceptable bounds while still delivering the full funds required.
We designed the facility with the following features:
First & Second Mortgage Combination: Leveraging both securities allowed us to unlock more equity and increase funding capacity without additional security.
Interest-Only Term: To protect the client’s cash flow while marketing the property for sale.
Term Length: The facility was structured over a six-month term, allowing ample time for a strategic sale.
Fast Turnaround: Funding was delivered in days—not weeks—enabling immediate debt consolidation.
This approach removed the urgency to sell under pressure and gave the client breathing room to secure a premium result. By early November, the home was sold well above expectations, and the bridging facility was discharged in full.
Why Bridging Loans Like This Are a Game Changer
Bridging loans are purpose-built for moments where timing, liquidity, and opportunity intersect. In this case, the bridging loan helped our client:
Avoid a Fire Sale: They weren’t forced into discounting the property just to pay debts.
Consolidate Liabilities: Unsecured and high-interest debts were cleared, improving their financial position.
Capture Maximum Sale Value: With no rushed sale, they were able to take a bespoke sales approach and market the home effectively.
Secured Lending’s role wasn’t just about funding—it was about creating a path that allowed our client to walk away with more equity, less stress, and a stronger financial future.
When Is a Bridging Loan the Right Move?
Bridging loans are often the unsung heroes in property and business transitions. Here are scenarios where they shine:
1. Business Expansion
Growing companies often need to upgrade their premises before the old ones are sold. A bridging loan helps you move quickly and take control of the new space while sorting out the existing site at your own pace.
2. Property Development
Developers use bridging finance to secure land or existing buildings with upside potential. Once the development is complete, they refinance or sell at a profit.
3. Auction Purchases
Buying at auction means acting quickly. A bridging loan can provide the upfront funds within days, giving borrowers time to arrange long-term finance later.
4. Property Renovation
Refurbishing a property before sale or lease can dramatically increase its value. Bridging loans give you the working capital to upgrade, polish, and sell at a premium.
If you’re managing multiple debt obligations or waiting for the right buyer to emerge, but still need access to capital today—don’t wait for a slow-moving lender. At Secured Lending, we specialise in complex, short-term loan solutions that give you flexibility and control when it matters most.
Whether you’re a homeowner, investor, or small business owner—if you’re navigating a financial transition and need a solution like this $3.6 million bridging facility, contact our team on 1300 795 175 or email us at info@securedlending.com.au.
How do I structure a large bridging loan that involves both debt consolidation and property sale timing? We’ll guide you through it.
