If you’ve built strong wealth in property or other established holdings, there’s a moment that comes up more often than people admit: you’re asset-rich on paper, but you need cash now. Maybe you’re buying before you sell, refinancing is taking too long, or an opportunity has a short window. This is where bridging finance for an Equity release can make sense. At Secured Lending, we’ve advised and assisted borrowers with an Equity release strategy for time-sensitive needs, and we’ve also facilitated over 500 strategic commercial loans to bridge the gap. Contact us today to discuss your scenario.
What bridging finance for an Equity release actually does
A bridging loan is short-term funding secured by property, designed to “bridge” you from today to a clear exit event. In an Equity release context, the goal is simple: unlock equity from existing assets so you can act now, without waiting for a sale, refinance approval, or a longer credit process.
This is not about taking on unnecessary debt. It’s about timing. When your equity is real but inaccessible in the short term, bridging finance gives you a structured way to bring forward capital.
Common situations where bridging finance supports an Equity release include:
- Buying a new property before your current one settles
- Funding a business purchase or capital injection while a refinance is underway
- Covering a deposit, stamp duty, or settlement shortfall
- Urgent funding for a time-bound commercial opportunity
- Managing a gap created by delayed valuations, documentation, or bank credit timelines
Key benefits of bridging finance for an Equity release
The value of bridging is speed and certainty, but the best outcome is control. When structured correctly, you get funds when they matter most, and you keep your longer-term plan intact.
Here are the practical benefits:
- Fast access to capital when timing is critical
- Support for urgent settlement without waiting for a traditional lender’s process
- Potential for same day settlement in suitable scenarios where everything is ready
- The ability to move on opportunities that are effectively an emergency in timing, not in planning
- A clean way to unlock equity without forcing a discounted sale or rushed decision
Bridging finance works best when the exit is clear from the start. That might be a property sale, a refinance once construction is complete, or a planned liquidity event. Your loan should be sized, timed, and documented around that exit.
Unlocking equity from existing assets without slowing down your plans
Equity release sounds simple, but the friction is usually in the process: valuation delays, bank policy, serviceability hurdles, or timelines that don’t match your settlement date.
A bridging loan can help you unlock equity from existing assets by lending against the property security you already hold, so you can:
- release funds for a purchase, investment, or business requirement
- consolidate short-term obligations while you finalise longer-term funding
- keep negotiations strong by being ready to transact
This approach can be especially useful when you want to act decisively, but you still want a sensible structure that doesn’t drag on.
How Secured Lending helps you execute quickly and cleanly
Most borrowers don’t need “more options.” You need a lender who can review the situation quickly, confirm what’s possible, and then coordinate the steps to settlement. That’s what we do.
1. Rapid scenario review and clear loan structure
We review your security property, your timeline, and your exit strategy. Then we structure the loan around what matters: the settlement date, the amount required, and the cleanest path to repayment. This is where we prevent avoidable delays.
2. Certainty for urgent timeframes
When you’re facing urgent settlement, certainty matters more than theory. We focus on what can be verified quickly and what needs to be lined up for approval. If it’s genuinely time-critical, we can work toward funding within 24 hours where the documentation, valuation pathway, and security are ready to go.
3. Loan sizes that match real opportunities
We regularly see strong borrowers needing meaningful capital, not small top-ups. Depending on the scenario and security, you may be able to borrow up to $10million. The key is matching the facility to the exit and ensuring the timeline is realistic.
4. Straight talk on pricing and suitability
Bridging finance is short-term money. It’s built for speed and flexibility, not for holding long term. We’ll be upfront about costs and whether it suits your plan. In some scenarios, we can offer an interest rate starting at 9.2% p.a (pricing depends on risk, security, and structure).
5. Coordinated settlement, not handballing
The difference between “approved” and “settled” is where deals can fall over. We coordinate the practical steps—documents, solicitor workflows, and settlement scheduling—so you’re not left managing a moving target. If you require a private lender urgent solution, the process has to be decisive.
Private Lender in Australia
Secured Lending is a private lender in Australia, operating Australia wide across Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. We are a non-bank lender, which means we can often move faster and take a more practical view of time-sensitive Equity release scenarios, including secured business loan solutions where speed is critical.
When a bridging loan is the right tool, and when it isn’t
Bridging finance is ideal when your exit is credible and time-bound. It’s less suitable when there’s no clear repayment pathway, or when a long-term facility would be cheaper and achievable within your timeframe. We’ll tell you if it looks like you’re trying to use a short-term loan to solve a long-term problem—because that’s how stress and cost creep in.
FAQs
1. How fast can a bridging loan for an Equity release be settled?
In suitable circumstances, it can be very fast, including same day settlement. More commonly, we aim for funding within 24 hours once the security, documents, and settlement pathway are ready.
2. What can I use a bridging Equity release for?
Typical uses include urgent purchase settlement, deposit and stamp duty support, business cash flow timing gaps, refinancing delays, and capital for an opportunity with a short deadline.
3. How much can I borrow?
Subject to the security and overall structure, you may be able to borrow up to $10million.
4. Are these loans only for property purchases?
No. Many borrowers use bridging to release equity for business purposes, including commercial bridging finance, working capital timing, or strategic acquisitions where funds are needed before longer-term finance completes.
5. What does the interest rate look like on bridging finance?
It depends on the risk, the security, and the exit. In some cases we can offer an interest rate starting at 9.2% p.a, but it will vary by scenario.
6. What information should I have ready to speed things up?
A clear timeline (especially if there’s an urgent settlement), details of the property security, your exit plan (sale or refinance), and your solicitor’s contact details help us move quickly and reduce back-and-forth.
How We Can Help
If you’re considering bridging finance for an Equity release, we’ll review your scenario, confirm what’s achievable, and arrange a structure that matches your timeframe and exit. Secured Lending is a short-term lending solution you can rely on. When you’re ready, our team is here to help you move quickly and confidently. Our team specialises in urgent short term loans solutions.
