# The Complete Guide to Bridging Finance in Australia 2025
Bridging finance is a short-term loan that helps you 'bridge' the financial gap between buying a new property and selling an existing one, or when you need immediate funds before long-term financing becomes available.
## What is Bridging Finance?
Bridging loans are short-term financing solutions, typically lasting from 1 to 24 months. They're secured against property and are designed to be repaid quickly when you sell your property, refinance, or secure permanent funding.
## When to Use Bridging Finance
Common scenarios include:
- Buying before selling your current property
- Property auction purchases
- Urgent renovations before sale
- Time-sensitive investment opportunities
- Property settlement shortfalls
## Costs and Rates
Private lender rates typically range from 1-3% per month (12-36% annually). While higher than traditional mortgages, the short-term nature and speed make them cost-effective for the right situation.
## How to Apply
1. Determine your funding needs
2. Prepare property details and exit strategy
3. Connect with a private lender through Introducr
4. Complete application and valuation
5. Settle and receive funds (often within 24-48 hours)
Ready to explore bridging finance options? [Connect with lenders now](/connect).