Here’s how we make bridging simpler and smarter
When timing doesn’t line up, we structure lending that does.
Clear exit strategy advice from the start
Every loan needs an exit. Whether you plan to sell, refinance, or restructure, we’ll guide you through the best path — and ensure your funding plan works if things take longer than expected.
Fast capital when banks are too slow
Sometimes Banks can’t move fast enough - or don’t want short-term lending. We work with lenders who understand speed matters, especially when you’re up against finance or auction deadlines.
Bridge gaps in your investment or development
Need to settle while CCC, titles, or consents are still in motion? We arrange short-term funding that keeps projects on track — so you don’t lose time, face penalties, or miss an opportunity.
Buy your next home before selling your current one
We’ll help you access equity tied up in your existing home so you can secure your next property without rushing to sell — or missing out. The right structure gives you breathing room.
Bridging loan FAQs
What if my sale takes longer than expected — will I get stuck?
No — not if the deal is structured right. That’s where we come in. We’ll work with you to build in buffer time, assess your fallback options, and ensure there’s a solid exit plan even if timelines shift. Getting the “what ifs” covered early is key to stress-free bridging.
Can I get a bridging loan even if my bank says no?
Absolutely. We work with a wide panel of non-bank and private lenders who are flexible - especially if there’s good equity and a clear exit strategy. We’ll show you what’s realistic.
I need funds urgently — how fast can we move?
Fast. With the right documents, we’ve secured bridging approvals in 2–5 days — sometimes even quicker with private lenders. Speed depends on the clarity of your situation and how prepared you are. We’ll help you get everything lined up early.
Need to move quickly? Let’s get your deal over the line.
Book a free, no-pressure call with a Luminate adviser. We’ll tell you what’s possible, walk you through the options, and make sure your plan stacks up.
We work with trusted bank and non-bank lenders
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Read, watch & listen to insights
First Home
Buyers Guide
Development
Finance Guide
Bridging Finance
Made Simple
Self Employed
Borrowing Guide
Investors
Memorandum
What our clients are saying
We needed funding within days to secure a development site. The banks said no—Luminate said yes. Funds landed within 48 hours and we didn’t miss the deal.
Mike T.
As a self-employed couple, we were getting knocked back left and right. Luminate understood our situation and structured a mortgage that worked. Game-changer.
Andrea & Tim D.
My bank gave me the runaround for months. Luminate had my loan approved in a week—even with a tricky credit history. Can’t thank them enough.
Lucy M.
Trent and Farea - you rocked it :). It was the easiest and the best first home mortgage advice/transaction we have ever had. Farea Khan went above and beyond.
Jashnil K.
We contacted them with the feeling was “give it a try, but no hope”. And now we are sitting on our couch in our living room in our new house and waiting for Christmas.
Marita H.
Total rock stars and know the financing game inside out - extreme professionalism, high level contacts, and a true understanding of the numbers.
Kesh M.
Our specialist lending solutions
Self-employed borrowers
Your income may not be traditional — but we know how to present it. From low-doc loans to tailored structures, we help contractors, sole traders, and business owners get the lending they need.
Second mortgages & debt consolidation
Top up your lending without disturbing your main home loan. A second mortgage can unlock equity for renovations, business cashflow, or simplify multiple debts into one.
Low deposit or credit challenges
Been told no by the bank? That’s not the end of the road. We help first-time buyers and existing homeowners access finance with as little as 5–10% deposit — even with past credit hiccups.
