NWF Capital
Short-term bridging loans to buy before you sell, settle before a refinance, or secure a site. Interest capitalised, decisions within 24 hours.
At a Glance
Overview
Bridging finance covers the gap between two transactions. You have found the property, the business premises or the development site — but the capital to pay for it is tied up in another asset that has not sold, or a refinance that will not settle in time. A bridging loan lets you complete the purchase now and repay from the sale or refinance when it lands.
NWF Capital provides bridging finance to business owners, investors and developers across Australia. We assess the security and the exit, not your servicing position, and you will have a decision within 24 hours of a complete application. Urgent bridging is accommodated when a settlement date will not move.
The commercial case for bridging is usually stronger than the headline rate suggests. Selling under time pressure costs real money in discount, and a lost purchase can cost far more. A few months of bridging interest is often the cheapest option on the table.
Use Cases
Buy before you sell — complete a purchase while your existing property is still on the market, without being forced into a fire sale. Auction and short settlements — meet a settlement date that does not allow time for a bank to approve. Refinance timing — your long-term finance is approved but will not settle before your purchase does. Business premises — secure new premises with equity tied up in a property that is being sold.
Development sites — secure a site before construction funding is arranged, or carry a project between stages. Completed stock — refinance a construction loan on completion so units can be sold at full value rather than discounted to meet an expiry date.
Urgent
Bridging problems are almost always deadline problems. A contract has a fixed completion date, an auction has been won, or a refinance has slipped. When that happens, the speed and certainty of the decision matter more than anything else.
We issue a decision within 24 hours of a complete application, and urgent settlements are accommodated where the date requires it. The fastest files are the ones that come in complete: the security, its value, existing debt, the amount, the settlement date and the exit. Tell us the date up front and we will structure the file around it.
Structure
A bridging loan is secured by registered mortgage over one or both properties — the one you are buying, the one you are selling, or both. Terms typically run from three to twelve months.
Interest is generally capitalised into the facility, so there are no monthly repayments while you carry two positions. That matters, because the cash-flow strain of servicing two loans at once is exactly what bridging is designed to remove.
The loan is repaid in full from the exit — the sale proceeds, the refinance, or another defined cash event. We would rather structure a realistic term with a buffer at the start than write a short facility and renegotiate under pressure.
Process
Send both properties, the amount, the settlement date and the exit.
We assess the security and the exit and respond within 24 hours.
A letter of offer sets out the term, rate and every fee before you commit.
Documents are signed, the mortgage is registered and your purchase settles.
The loan is repaid from the sale or refinance when it completes.
Cost
Bridging finance is priced above long-term bank lending, and pricing on any facility depends on the loan-to-value ratio, the type and location of the security, the term and the certainty of the exit. A contracted sale or an approved refinance is priced very differently from an exit that depends on a property that is not yet listed.
Every rate and fee is set out in full in your letter of offer before you sign. The right way to judge the cost is against the alternative: the discount you would accept selling under time pressure, or the cost of losing the purchase altogether.
Comparison
Bridging finance and caveat loans are both short-term and both fast, but they solve different problems. Bridging is secured by registered mortgage, supports larger amounts and longer terms, and is built around a gap between two transactions. A caveat loan is faster to establish and suits smaller, shorter, more urgent needs.
Our guide Caveat Loans vs Bridging Finance covers the difference in detail.
FAQ
A bridging loan is short-term finance that covers the gap between two transactions — most commonly buying a property before the sale of another has settled, or settling a purchase before a longer-term refinance is in place. It is secured by registered mortgage and repaid from the sale or refinance when it completes.
You will have a decision within 24 hours of a complete application. Settlement timing then depends on the security, the documentation and your solicitor, and urgent settlements are accommodated where a deadline requires it.
Typically three to twelve months, sized around your realistic sale or refinance timeline with a sensible buffer. Extensions are considered where a property is genuinely on market and priced sensibly.
Usually not. Interest is generally capitalised into the facility and repaid at the exit, so you are not servicing two facilities at once while you carry both positions.
No. Bridging finance exists so you can buy before you sell, which means you are not forced into a rushed sale or a lost purchase because the two timelines do not line up.
Yes. We bridge residential, commercial, industrial, rural and development property, and the security can be the incoming property, the outgoing property, or both.
Talk to us early. Extensions are commonly available where the property is on market at a sensible price. Problems arise when borrowers wait until the expiry date to raise it.
Bridging finance is secured by registered mortgage, supports larger amounts and longer terms, and is built around a two-transaction timeline. A caveat loan is faster to put in place and suits smaller, shorter, more urgent needs.
Pricing depends on the loan-to-value ratio, the security, the term and the strength of the exit. Every rate and fee is disclosed in full in your letter of offer before you commit. The comparison that matters is the cost of bridging against the discount you would accept by selling under time pressure.
Yes. Developers use bridging finance to secure a site before construction funding is in place, to carry a project between stages, and to refinance completed stock while it sells down.
NWF Capital provides bridging finance for business and investment purposes. We do not provide consumer credit, so bridging for an owner-occupied home purchase for personal use is not something we can fund.
Yes. Brokers deal directly with the decision-makers and get a straight answer on appetite and indicative terms within 24 hours.
Our Full Range
Every NWF Capital facility is secured by Australian property and assessed on the security and the exit. If this product isn’t the right fit, one of these may be.
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