Unity Bank
Bridging Loan - Investor
This loan helps bridge the gap for up to 12 months, providing the funds you need to buy your new home before your current property is sold.
Home loansBank updated 24 June 2026
At a glance
- Max LVR
- 75%
- Features
- redraw, extra repayments
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableComparison rate based on $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan a… | Investment · Interest only | — | — | 8.85% | 8.97% | — |
§ 02 — Fees · 12
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| PEXA_SERVICE_FEE | Cash advance | No fee | — | A fee charged to cover third party costs associated with the establishment of your mortgage |
| REGISTRATION_FEES | Cash advance | No fee | — | A third party cost for registration of mortgage |
| STAMP_DUTY_(MORTGAGE) | Cash advance | No fee | — | The tax charged on written documents and certain transactions imposed by the state government, such as mortgages and property transfers |
| TITLE_SEARCH_FEE | Cash advance | No fee | — | A third party cost for a Title Search to determine any interests in a property |
| VALUATION_FEE | Cash advance | No fee | — | A fee charged to cover the cost of obtaining a valuation report on your property or the property being purchased |
| CONSENT_FEE | Event | $300 | — | A fee charged for consent to subdivide, substitute, lease, cross-collateralise or any other matter where we need to reassess the loan in any way |
| DEFAULT_NOTICE_FEE | Event | $50 | — | A fee charged if you default on your repayments and we issue a default notice |
| LATE_PAYMENT_FEE | Event | $15 | — | A fee charged when you don't make your minimum monthly payment, plus any overdue amount |
| MORTGAGE_ADMINISTRATION_FEE | Event | $150 | — | A fee charged if we are asked by you or your legal representative to make any of our loan documents available to you during the life of the loan |
| RE-DOCUMENTATION_FEE | Event | $250 | — | A fee charged if you request to make a change such as include a Fixed Rate Lock fee after your Loan Offer & Contract documentation has been provided, but prior to loan settlement. |
| LOAN_ESTABLISHMENT_FEE_-_MORTGAGE_LOAN_(NEW) | Upfront | $500 | — | A fee charged to set up a new home loan |
| LOAN_ESTABLISHMENT_FEE_-_SECOND_MORTGAGE_LOAN_(NEW) | Upfront | $400 | — | A fee charged for consent to a subsequent new mortgage |
§ 03 — Features
RedrawExtra repaymentsInstant paymentsPayIDDigital banking
- · Maximum 12 months. For bridging loans with a continuing debt following the sale of one property, loan to be reviewed on receipt of the sale proceeds to structure the continuing debt. All product opti…
- · Monthly
- · If you will have a continuing debt after selling one property, the maximum LVR is 75% during the bridging period. If loan will be fully repaid after the sale of one property, the maximum LVR is 60% d…
- · Splitting is when you divide one loan into two or more loan accounts, generally with different loan types, repayment types or interest rates.
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Permanent Resident
- · Employment: Employed
- · Available to individuals
- · Maximum LVR 75%
- · Applications for credit are subject to the Bank's eligibility and suitability criteria and normal credit approval process.
- · Loan is restricted to the purchase of an investment property before an existing property is sold
§ 06 — Run the numbers
Put this product through a calculator
Published by Unity Bank under the Consumer Data Right, last changed by them on 24 June 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.