Short-Term Finance
Buy or settle before your existing property sells.
Don't miss the next deal waiting on a sale — short-term bridging finance for investors and business owners, placed across our panel.
Bridge the gap between buying and selling.
Timing rarely lines up: the property you want is available now, but the one funding it hasn't sold yet. We arrange short-term bridging finance and place it with the right funder from our panel of 50+ non-bank and private lenders, so a sale timeline doesn't cost you the next deal.
Bridging finance is secured against the property you're holding or buying and is repaid when the existing asset sells or longer-term finance settles. It's fast, short-term and built around a clear exit. This is business-purpose finance for investors, developers and business owners with an ABN — bridging to an investment or commercial purpose, not a consumer home move.
We know which lenders fund bridges quickly, how they assess the exit, and how to keep the cost sensible for a short term. Indicative answer in 24 hours and funding often in days.
Why arrange bridging through X Private.
Buy before you sell
Secure the next property now and repay when your existing asset sells or refinances.
Funded in days
Indicative answer in 24 hours and settlement in days — fast enough to beat a deadline.
1st or 2nd position
Bridge as a fresh first mortgage, or behind your existing loan to leave it in place.
Interest options to suit
Short terms with interest capitalised or prepaid, so cashflow isn't squeezed during the bridge.
Built around the exit
Priced and structured on a clear repayment — a sale, a refinance or a settlement.
Deals the banks are too slow for
When timing is everything, we place the bridge a bank can't approve in time.
When bridging fits.
Short-term, exit-driven, business-purpose scenarios. Common uses:
- Buying the next investment before the current one sells
- Settling a purchase ahead of an incoming sale
- Releasing a deposit while a sale completes
- Covering a short gap before long-term finance settles
- Funding an auction purchase with a tight settlement
- Bridging to a development or construction facility
- Unlocking equity short-term for the next deal
- Avoiding a forced discount on the property being sold
Three steps from deal to done.
We move at deal speed — an indicative answer within 24 hours and most deals settled in 5–10 business days.
- 01
Submit
Send us the deal. We give you a yes, no, or what-we-need within 24 hours.
- 02
Approved
We take it to the lenders most likely to back it, negotiate terms, and bring you a clear recommendation.
- 03
Settled
We manage the lender, legals and PEXA. Most deals settle in 5–10 business days; urgent ones faster.
Common questions, straight answers.
We're a specialist property finance brokerage: we place bridging finance with the most suitable funder from our panel of 50+ non-bank and private lenders.
No — everything we arrange is for a genuine business purpose. Bridging here is for investment, commercial and development purposes, not a consumer home move.
From a clear exit — usually the sale of an existing property or settlement of longer-term finance. We structure the term and pricing around that exit, with interest often capitalised so cashflow isn't squeezed.
Quickly. You'll have an indicative answer within 24 hours and many bridges fund in a matter of days when the security and exit are clear.
That's exactly what bridging solves. The facility covers the gap, secured against the relevant property, and is repaid when your sale completes.