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Calculators

Links Property Finance · Free calculator from a Sydney mortgage broker: Bridging Loan Calculator

Enter your current home, what you owe, the new price and how long the sale may take. The calculator adds NSW duty, the interest that builds during the bridge, and the debt left once you sell.

Reviewed by Charles Touma Updated 18 October 2026

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How much would a bridging loan cost you?

A bridging loan lets you buy the next home before the current one sells. For a few months you owe both loans plus the costs, which is the peak debt.

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When the sale settles, the proceeds pay down the bridge and what remains is the end debt, which becomes your new home loan. Lenders mostly assess you on the end debt, and add or charge interest on the peak debt while the bridge runs.

Part of the refinancing guide.

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What would the bridge look like?

Peak debt and end debt

Bridging loan: peak debt and end debt

Move the sliders to your numbers. Purchase costs use NSW transfer duty plus $3,000; selling costs are 2.5% of the sale price.

$1,300,000
$450,000
$1,600,000
6 months
6.00%
  • Duty and buying costs$72,287
  • Peak debt while you own both$2,122,287
  • Interest added during the bridge$64,470
  • End debt after the sale$919,257
  • End debt as a share of the new home57.5%
  • Repayment on the end debt, 30 years$5,511/mo

Estimates only. Assumes no interest is paid during the bridge, which is conservative; lenders differ in how much they lend, how long a bridge can run and whether interest is added or paid. Not a quote or credit advice.

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How does the calculator work it out?

House keys beside a model house
  • Peak debt.What you owe now, plus the new price, plus NSW transfer duty and about $3,000 of other buying costs.
  • Interest during the bridge.Interest on the peak debt for the months until your sale settles, added to the loan rather than paid, which is the conservative case.
  • End debt.The peak debt plus that interest, less the sale price after about 2.5% of selling costs.

What does a typical Sydney bridge look like?

The starting figures: selling a $1,300,000 home with $450,000 owing, and buying for $1,600,000 with a six-month bridge at 6%.

What do lenders look at on a bridging loan?

Most lenders assess whether you can afford the end debt from your income, and value both properties. Some want a signed contract on the sale before they lend; others accept a realistic sale plan.

They set a limit on the peak debt, often as a share of the two properties together, and a maximum time for the bridge, commonly six to twelve months.

If the end debt would be above 80% of the new home’s value, lenders mortgage insurance may apply, or the lender may lend less. The bridging loans guide explains the options, and a bridge to buy at auction walks through an example.

What if the sale takes longer than planned?

Interest keeps building while you own both homes, and a sale at a lower price raises the end debt. Run the calculator again with more months and a lower sale price to see the effect.

If the numbers only work with a quick sale at a strong price, consider selling first or securing the sale before you buy.

Common questions about bridging loan calculator

How is a bridging loan calculated?

The peak debt is your current loan plus the new price and buying costs. Interest is charged on that while you own both homes, and the end debt is what is left after your sale settles.

What is the end debt on a bridging loan?

The loan you keep after the sale: the peak debt plus any interest added during the bridge, less the net sale proceeds. Lenders assess your income mainly against this figure.

Do I make repayments during a bridging loan?

It depends on the lender. Some add the interest to the loan until the sale, others ask you to pay interest on part or all of it each month.

How long can a bridging loan run?

Commonly six months, and up to twelve months with some lenders when building or selling takes longer.

Is NSW stamp duty included?

Yes. The calculator adds NSW transfer duty at the general rates for the new price, plus about $3,000 of other buying costs.

Read how bridging finance works in the bridging loans guide, or check usable equity with the home equity calculator.

Check the estimate with a broker

Charles can check how each lender treats the bridge, how long it can run and whether interest is added or paid, before you bid.

Book my free call or call 0423 952 184
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Charles Touma, mortgage broker at Links Property FinanceCharles calls back within one business day. No documents needed yet.

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Charles Touma, mortgage broker at Links Property Finance
Reviewed by Charles Touma Director & Mortgage Broker · MFAA member · Credit Representative 579003 under ACL 389328 About Charles · Bridging loans · MFAA register · ASIC register · Complaints processEvery page is reviewed by Charles before it is published and checked against current lender policy and the official scheme pages linked where figures appear.

General information only, not credit, tax or legal advice. Lender policies change and differ between lenders, and any loan is subject to the lender’s assessment.