When the right investment property comes up, time is rarely on your side. The agent wants a clean contract. The vendor wants certainty. Your long-term lender wants valuations, updated financials, and time to tick every box. That gap is exactly where bridging finance for an investment property can work—short-term funding that helps you secure the deal now, then transition to long-term funding once everything is ready. Contact us today to discuss your scenario.
At Secured Lending, we’ve advised and assisted borrowers across Australia to secure an investment property with a bridging loan when timing matters. We have also facilitated over 500 strategic commercial loans to bridge the gap, including urgent settlement scenarios where certainty is the difference between winning and missing out. Secured Lending can help you move fast with a bridging loan for investment property. Assess your scenario today.
What Bridging Finance Is and Why Investors Use It
Bridging finance is short-term lending secured by property. It’s designed to cover a specific timing issue—most often the period between signing a contract and finalising long-term funding, or between selling one property and buying another.
In practical terms, bridging loans are used when:
- You need to settle quickly and can’t wait for bank credit processes
- You’re buying before selling, or refinancing later once conditions are met
- You’re upgrading, renovating, or repositioning an investment property before moving to cheaper long-term debt
The core benefit is control. You get the ability to move decisively on a time-sensitive purchase without being forced into a slow approval pathway.
Benefits of Bridging Loans for an Investment Property
If you’re experienced with property, you already know the real “cost” of delay: missed deals, price increases, and lost negotiating leverage. Bridging finance helps you avoid those outcomes.
Key benefits include:
- Speed when timelines are tight: You can target urgent settlement and reduce the chance of losing the property.
- Stronger negotiating position: A funded buyer can negotiate more confidently, especially when you can demonstrate certainty of funds.
- A clear path to long-term funding: Bridge now, then refinance once your preferred lender is ready or once the property’s income profile improves.
- Flexibility around property events: Useful if a lease is about to be signed, a renovation is underway, or valuations are expected to improve after works or tenancy changes.
- Asset-backed structure: Your focus is on the security and the exit plan, rather than jumping through a long list of policy hurdles.
Used correctly, a bridging loan is not “extra debt.” It’s a timing tool that protects the opportunity and buys you optionality.
Where Secured Lending Fits and How We Make It Practical
When you’re lining up a bridging loan for an investment property, you’re usually managing several moving pieces: contract dates, deposit requirements, lender conditions, valuation timing, and solicitor coordination. Our role is to reduce friction and help you execute.
We Start with the Timeline and the Exit Plan
Bridging finance works best when the exit is clear. That could be:
- Refinance to a bank or non-bank term loan,
- Sale of an existing property,
- Or release of funds from another confirmed event.
We review your scenario and structure the loan around the dates that matter—settlement deadlines, expected refinance timing, and any milestones like tenancy commencement or completion of light works. The goal is simple: short-term funds now, with a clean transition later.
We Move Quickly When Speed Matters
If you’re facing an urgent settlement or an emergency timeline, speed isn’t a “nice to have.” It’s the whole point. We focus on what’s required to get a decision and progress funding without wasting days.
Depending on the scenario, we can support outcomes such as funding within 24 hours and in some cases Fast, same day settlement (where documentation, security, and settlement coordination allow). If you’re trying to secure an investment property before long-term funding comes through, this speed can be the difference between owning the asset and watching someone else buy it.
Loan Sizes and Pricing That Suit Real Investment Transactions
Bridging finance needs to match the reality of the transaction, not just a template. Secured Lending structures secured business loan solutions for investment and commercial purposes, and we can help you borrow up to $10million where the security and exit plan support it. We also discuss pricing upfront, including options such as an interest rate starting at 9.2% p.a (subject to your scenario, security, and risk profile).
The practical advantage is that you can keep the loan short, purposeful, and aligned to your next funding step—rather than being locked into something that doesn’t match your strategy.
Private Lender Options When Timing Is Critical
As a private lender in Australia, Secured Lending is a non-bank lender and we operate Australia wide: Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. This matters when you need a lender that can act decisively, particularly in private lender urgent situations where a traditional lender can’t meet your timeline.
We’re often engaged when:
- A contract has tight settlement terms,
- You need to move before long-term funding is final,
- Or a bank approval is delayed by valuation, serviceability interpretation, or policy checks.
Settlement Coordination That Reduces Stress
Bridging finance is won or lost in the details: correct loan documents, clear conditions, and proactive settlement management. We coordinate closely with your solicitor or conveyancer to keep things moving.
If you need bridging finance to secure an investment property before long-term funding, the goal isn’t just approval—it’s settlement certainty. We work to confirm requirements early, keep communication tight, and reduce the back-and-forth that burns time.
When a Bridging Loan Is a Good Fit
A bridging loan is worth considering when you want to act quickly but still protect your longer-term plan. Typical scenarios include:
- Buying an investment property at auction or with a short settlement window
- Settling now, then refinancing once a lease is executed or income stabilises
- Buying before selling, with a sale campaign already planned or underway
- Needing an urgent settlement solution while long-term funding is being finalised
In each case, the bridging loan is a deliberate bridge—not a permanent structure.
How We Can Help
Secured Lending helps you arrange bridging finance for an investment property with speed, clear structure, and practical coordination through to settlement. We review your security, confirm a realistic exit plan, and structure the loan to meet your timeline—whether that’s standard short-term funding or an emergency requirement where every day counts. We’ve facilitated over 500 strategic commercial loans to bridge the gap, and we bring that same calm, outcome-driven approach to your transaction so you can move forward with certainty.
Secured Lending is a short-term lending solution you can rely on. When you’re ready, our team is here to help you move quickly and confidently. Our team specialises in urgent short term loans solutions.
FAQs
1. How fast can a bridging loan be arranged for an investment property?
Timeframes depend on security, documents, and settlement readiness. In urgent scenarios, outcomes such as funding within 24 hours may be possible, and in limited cases Fast, same day settlement can be achieved when everything aligns.
2. What’s the usual purpose of bridging finance before long-term funding?
It’s commonly used to secure the property now, then refinance later once your preferred lender completes approval, valuations are done, or the property’s income profile is improved.
3. How much can I borrow on a bridging loan through Secured Lending?
Subject to the security and your exit strategy, you may be able to borrow up to $10million.
4. What interest rate should I expect on bridging finance?
Pricing depends on risk, LVR, property type, and timing. Secured Lending can offer options with an interest rate starting at 9.2% p.a, subject to assessment.
5. Is bridging finance only for commercial property, or can it be used for an investment property?
It can be used for an investment property where the loan is properly secured and you have a clear plan to exit via refinance or sale.
6. What information helps speed up approval for urgent settlement?
A signed contract (if purchasing), property details, your intended exit plan, and solicitor/conveyancer contact details help us assess quickly and coordinate a smooth urgent settlement process.
For more information on commercial bridging finance and how it can help you secure your next investment property, reach out to Secured Lending today.
