Enter what you owe now, what you're paying for the next home and what you expect the current one to sell for. You'll see your peak debt, the interest the bridge costs, the loan you're left with after the sale, and what that loan becomes if the sale comes in lower.
If it sells for less—
How it adds up
What the calculator follows
Peak debt is what you owe now, plus the new price and its costs, less any savings you put in: the most you owe while you hold both homes. The sale is expected to repay the bridge, and what’s left is the end debt, the loan you keep. Bank Australia describes its bridging loan the same way, as the amount owing on the existing property plus the contracted price of the new one and the purchase costs (Bank Australia, effective 31 July 2026). Interest over the bridge is either added to the loan monthly, on the bridge alone or on the whole peak debt, or paid as interest-only repayments, depending on the lender.
The simplifications, so you can discount them. One rate covers the whole loan for the whole period. The old home sells on the last day of the bridge, so a quicker sale costs less than shown. Repayments on the end debt during the bridge are yours to make and aren’t shown. The lower-price row changes only the sale price; everything else stays put, which is how a soft result at auction actually lands.
Before you rely on the number
The figure that decides a bridge is the end debt, and the one that sinks it is an optimistic sale price. Our guide to bridging loans covers how lenders assess the end debt, how long they’ll carry both homes, and when selling first is the better order. For owner-occupiers, APRA’s limit on high debt-to-income lending doesn’t apply to the bridge itself (APRA, November 2025). Our upgrading page covers the rest of the move. This page is general information, not advice.
Buying before you sell? We'll test the end debt at a sale price you'd accept.
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Newcastle Permanent and Bank Australia both publish a bridging period of up to 12 months (rates effective 30 September and 31 July 2026). Some lenders publish shorter periods, and some allow longer when you're building. The lender's own term is the one that counts, and the calculator lets you test any length.
What's end debt?
The loan left once your current home has sold and the proceeds have paid the bridge off. It's the mortgage you carry into the new home, so it's the number your income has to support. Peak debt is the most you owe at any point, while you own both homes.
Do I make repayments during the bridge?
It depends on the lender. Some capitalise the interest, adding it to the loan each month so nothing is paid until the sale. Others require interest-only repayments on the whole debt through the bridging period. Pick the matching option above and the calculator shows either the capitalised interest or the monthly bill.
What if my home doesn't sell in time?
Lenders publish consequences. Newcastle Permanent says you may pay a rate 2% higher until the default is resolved, and some lenders won't extend the term at all. The sensitivity row shows the other risk, a lower price, which lands on your end debt dollar for dollar.
Does APRA's debt-to-income limit apply to bridging?
Not for owner-occupiers. APRA's limit on lending at six or more times income excludes bridging loans for owner-occupiers. Your end debt is still assessed on your income like any other loan.