Calculator
Bridging Finance Calculator
Model buying your next investment property before the current one sells — peak debt, the cost of the bridge, the cash you need to complete, and what a delayed or weaker sale does to the position you end up in.
Your transaction
Transfer duty, legal and other buying costs.
The lasting loan against the new property — kept separate from bridging debt.
Agent commission, marketing and legal costs.
Akweno does not calculate tax. Enter your own estimate if you want it reflected — treatment varies by jurisdiction and personal circumstances.
Auto-calculated funding gap: A$220,000.
Temporary financing is usually priced above a standard loan.
Model a scenario before dates are known.
Peak debt
A$1,195,000
Highest debt while both properties are held.
End debt
A$675,000
After the sale settles and proceeds are applied.
Total bridging interest
A$3,375
Temporary financing interest over the bridge.
Bridging interest / week
A$338
Cost of each extra week of bridging.
Cash shortfall / week
A$374
Average you may fund after rent & costs.
Total cash required
A$3,742
Your cash contribution over the bridge.
Bridge summary
- Expected bridge
- 70 days · 10 weeks
- Peak debt (both held)
- A$1,195,000
- Net sale proceeds
- A$380,000
- Debt after settlement
- A$675,000
Your cash flow during the bridge
See the income and financing costs while both properties are held, week by week.
Rents stack above the line; financing and holding costs below it. The dark line is your net weekly position.
Your bridge timeline
The transition from your current position to your end position.
- Current position — one property heldNow
- New property settles — bridge beginsNow
- Existing property sells & settlesWeek 10
- Sale proceeds applied · bridge repaidWeek 10
What if your sale takes longer?
Time risk mostly changes interest, rent and the cash you need — not the sale price.
- Additional bridging interest
- +A$0
- Additional rental income
- +A$0
- Additional cash required
- +A$0
What if the property sells for less?
Price risk mostly changes proceeds, the debt left after settlement and your end LVR.
- Sale price used
- A$700,000
- Net sale proceeds
- +A$0
- Change to end debt
- +A$0
- End LVR
- 75.0%
Cash required during the bridge
How much liquidity you may need to carry the transaction until the sale settles.
Estimated cash needed by settlement: A$3,742.
Once the sale settles
If sale proceeds were applied to the temporary debt as modelled, this is the debt position you would be left with.
- Expected sale price
- A$700,000
- Less selling costs
- − A$20,000
- Less existing loan repaid
- − A$300,000
- Indicative net sale proceeds
- A$380,000
- Temporary bridging debt repaid
- A$220,000
- Residual bridging debt
- A$0
- Permanent new property loan
- A$675,000
- End debt position
- A$675,000
- End LVR (new property)
- 75.0%
- Remaining cash
- A$160,000
Results are illustrative estimates based on the assumptions entered. Actual lending, interest costs, rental income, sale proceeds and transaction costs may differ. This calculator does not represent loan approval or financial, credit, tax or legal advice. Figures update as you type.
How bridging finance actually works
Bridging finance solves a timing problem: the property you want is available now, but the capital to pay for it is locked in a property that has not sold yet. The bridge lets you buy first and sell second — at the cost of carrying both properties at once.
Peak debt is the whole story
For the length of the bridge you owe on everything at once: the loan still sitting on the property you are selling, the loan on the property you just bought, and any bridging facility on top. That combined peak debt is the largest balance you will ever carry, and every cost in the bridge is driven off it.
Time is the expensive variable
Interest accrues on that peak debt every single week until the sale settles. A bridge that runs eight weeks longer than planned is eight more weeks of interest on the biggest balance of your life — which is why a delayed sale usually hurts more than a slightly lower price.
Cash to complete
Buying before you sell means finding the deposit, stamp duty and purchase costs on the new property without the proceeds from the old one in hand. The calculator separates the cash you need up front from what the sale eventually returns to you.
The end position is what you keep
When the sale settles, the proceeds clear the bridge and you are left with one property and one loan. If the sale is weak or slow, more of the bridge rolls into that end loan — so the position you finish with, not the moment of purchase, is what really matters.
This ties directly into two decisions Akweno investors already work through: whether to use existing equity to buy the next property and whether to sell an investment property or keep it. Bridging finance is the mechanism that lets you act on both at the same time — and this calculator shows what that overlap costs.
Bridging finance questions
- What is bridging finance?
- Bridging finance is a short-term loan that covers the gap when you buy a new property before your existing one has sold. The lender funds the purchase, you carry the debt on both properties for a bridging period, and the loan is repaid from the sale proceeds when the old property settles.
- How is bridging finance interest calculated?
- During the bridge you pay interest on the peak debt — the combined balance of your existing loan, the new purchase loan and any bridging facility. Because that peak balance is large, the weekly interest cost is high, so the length of the bridging period is the single biggest driver of what it costs you.
- What happens if my property sells for less than expected?
- The sale proceeds repay the bridge. If the property sells for less, there are fewer proceeds to clear the bridging debt, so more of it rolls into your ongoing (end) loan — raising your end debt and your LVR on the property you keep. The calculator's sensitivity view shows exactly how much.
- What happens if the sale is delayed?
- Every extra week of bridging is another week of interest on the full peak debt, plus another week of holding costs on the property you are trying to sell. A delay is usually more expensive than a lower sale price, because it stacks interest on the largest balance you will ever carry.
- Is this bridging finance calculator specific to my lender?
- No. It is an illustrative model that shows the shape of a bridging scenario — peak debt, interest, cash to complete and end position — using assumptions you enter. Lenders differ on how they capitalise interest, assess serviceability and value security, so always confirm the numbers with your broker or lender.
Related guides
Using Equity to Buy Your Next Investment Property
How to turn the equity in a property you already own into the deposit for the next one — the counterpart to bridging when you are not selling.
Read the guideShould I Sell My Investment Property or Keep It?
The keep-or-sell decision that determines whether you need a bridge at all, framed as a capital-allocation question.
Read the guideGrowing Your Property Portfolio
The cornerstone guide to funding and sequencing your next purchase, where bridging finance fits alongside equity and cash flow.
Read the guideSee the whole portfolio, not just the bridge
Akweno tracks your properties, loans and equity in one place, so you can model a purchase, a sale and the debt in between against your real portfolio — not a one-off calculator.
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