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 time if you want the best possible result. One of our clients in Tweed Heads faced exactly this situation. They owned a luxury waterfront residence and wanted space to position it properly in the market. At the same time, they were under pressure from existing debts that were starting to weigh heavily.

Traditional finance wasn’t suitable. The banks were moving too slowly and couldn’t provide the flexible structure needed for both their sale timing and debt obligations. What they needed was immediate access to capital without jeopardising the property’s long-term value. That’s when they came to Bridging Loans.

Strategic Structuring with a $3.6 Million Bridging Loan

We provided a $3.6 million bridging facility, structured with both a first and second mortgage over the Tweed Heads property. This approach unlocked the required funding while keeping the loan-to-value ratio within an acceptable range.

The facility included:

• First & Second Mortgage Combination: Unlocking additional equity and maximising available funds without requiring further security.
  
• Interest-Only Term: Helping protect cash flow while the property was marketed.
  
• Six-Month Term: Allowing time to pursue a premium sales strategy without pressure.
  
• Fast Turnaround: Funding was approved and settled in just days, giving immediate debt relief.
  

This structure gave the client the breathing room they needed. They avoided selling under pressure and instead marketed the home strategically. By November, the property was sold at a strong premium, and the facility was discharged in full.

Why Bridging Loans Like This Are a Game Changer

In situations where timing, liquidity, and opportunity must align, bridging loans can make all the difference. In this case, our client was able to:

• Avoid a Fire Sale: No need to slash the price just to meet debt repayments.
  
• Consolidate Liabilities: Clearing high-interest debts improved their financial position.
  
• Capture Maximum Value: With time on their side, they achieved a far better sales outcome.
  

At Bridging Loans, we know it’s not just about funding, it’s about creating financial breathing space so clients can move forward with confidence and control.

When Is a Bridging Loan the Right Move?

Bridging loans are often the best short-term solution when traditional finance can’t keep up. Common scenarios include:

• Business Expansion: Secure new premises quickly while taking time to finalise the sale of your current space.
  
• Property Development: Acquire land or property with upside potential and refinance or sell once value is added.
  
• Auction Purchases: Act fast with upfront funds and arrange longer-term finance later.
  
• Property Renovation: Upgrade before sale or lease to achieve a stronger return.
  

If you’re waiting for the right buyer, managing multiple debts, or need immediate capital to unlock opportunities, a bridging loan can give you the control you need.

At Bridging Loans, we specialise in fast, flexible short-term finance solutions designed to keep you moving forward. You can rely on us when timing matters most, and our team is ready to help.