Educate, Facilitate, Accelerate

At Loan Theory, we make bridging loans simple to understand and manage. If you are buying a new property before selling your current one, a bridging loan can give you the funds you need to complete the purchase without the pressure of a rushed sale.

We work with over 30 lenders and have access to more than 200 loan products, so we can match you with a bridging loan that suits your timelines, property plans and financial position. Every lender has different rules about how long you can have a bridging loan, how interest is charged and when repayments are required. We help you compare your options so you can make confident decisions.

Bridging loans can be suitable for:

• Buying before selling – Secure your next property without waiting to sell your current one

• Avoiding rushed sales – Take time to achieve the best sale price for your existing property

• Downsizing or upsizing – Smoothly transition into your next stage of home ownership

• Relocations – Move without the stress of overlapping settlements

We will guide you through how bridging finance works, including the different repayment structures such as capitalising interest during the bridging period or making interest‑only payments. We also help you plan your exit strategy so the bridging loan can be paid out quickly once your current property sells.

Our process is straightforward. We start by understanding your buying and selling plans, your financial position and your preferred timelines. We then present you with clear bridging loan options and manage the application from start to finish. We coordinate with real estate agents, solicitors and both lenders to keep everything on track.

Once your bridging loan is repaid, we review your ongoing home loan to make sure it remains competitive and aligned with your needs.

With Loan Theory, you are not just getting bridging finance. You are getting a lending partner who helps you move between properties with clarity and confidence.