1300 893 199

Fast Bridging Loans

Same Day Approval for a Fast Bridging Loan with Funds Paid in 48 Hours* up to the Available Equity in Your Property1

24 Hrs 48 Hrs
609 Google Reviews
Nicole Rumenos
Made it every easy for me and very reasonable interest if you choose to pay later
March 2023
Aleisha Puca
Completely seamless process! Highly recommend.
March 2023
Raymond John Melton
I found this Business a pleasure to deal with, professional, expedient, & simplistic. highly recommend this Business & its Services to anyone seeking assistance pre, during or post selling a property.
March 2023
Lesley Cooke
The answer to my prayers! Wanting to sell a house but not having the funds to show it off correctly was a worry. This system has allowed me to tidy up the place and market it well. Can I give six stars? Worth it
March 2023
A wonderful Company, that you can use when you don’t have any extra money coming in from rent, while in the process of selling your place. It lifts a lot of pressure off us. What a great service. Total recommend to all my friends.
March 2023
Meg G
This is a fantastic service that reduces the financial pressure of selling your home when there’s already so many expenses! Highly recommend!
February 2023
D Scotcher
Definitely helps with the cash flow when selling the house …. Fees come out of settlement funds
February 2023
Kitty Hunter
A big shout out to Mel who is an absolute delight to deal with - she's extremely knowledgeable with any queries that I have, is always prompt to respond with further information if required, and is just lovely to deal with in general.
February 2023
Troy Matheson
Great idea and helpful in tough times when so many expenses come up when selling a property
February 2023
Kristy-Lee Guazzo
Karyn at explore is efficient, responsive and delivers exceptional results. She made the process of selling our properties extremely easy.
January 2023
Casie Black
Mel, from the customer success team was nothing short of efficient. Thank you for making life easy.
January 2023
Donna Hansen Clish
These guys really go the extra mile they know what you want and make it happen. Dreams really do come true.
January 2023
Ritesh Jain
Daniel Waters is amazing. He is very knowledgeable, helpful and always ready to help. I will highly recommend his service.
January 2023
Jason Lamaro
This place has taken the stress out of the process ,i recommend these guys to anyone new to the process of selling a property
January 2023
Laura Twining
Great service, easy to use - takes the financial pressure off at an already stressful time
December 2022
Wendy Young
I’m impressed with the level of professionalism and like that I am constantly informed of what is happening
December 2022
Lilo Stadler
A well thought out service, easy to understand and use. The cost is not prohibitive. So far I cannot see any reason for not using it and I shall report again at the conclusion of the process.
December 2022
Leanne Coleman
Great system, giving option to pay advertising on settlement, smooth very easy to use!!
November 2022
Terry Mezger
Easy to use. Good repayment terms that allow for settlement terms
November 2022
Star Guo
It is a easy and quick process to arrange my marketing fees to be paid after the property is sold. Great service and very handy!
November 2022
Olimpia Chilnicean
Very professional and friendly service, doesn't waste time. Good communication
October 2022
Stephen Choy
Great service and understanding of individual circumstances to accommodate with this service for our property sales journey
October 2022
Leonie Kitchen
We have had many experiences selling property, however this is our first experience having the opportunity to defer Advertising costs. This is a good service to allow extra time and hopefully deduct costs at settlement.
October 2022
Heath Family
Makes managing payments so efficient, takes the worry out of $$ management, giving you the option to defer your payments takes so much stress out of an already hectic time... press and forget
September 2022
Kieron Gubbins
Very prompt professional service and would definitely use them again.
September 2022
Tom Morris
I used this service to pay the marketing costs of listing my property, and it was a very easy and seamless process.
August 2022
Anna Devlin
Very quick and easy to get the application approved, and one less thing to stress about when selling your home.
August 2022
Dani Evans
Such an easy, straight forward process! Super fast, we had our approval overnight, we applied outside of business hours and Sam phoned by 9am the next morning. Very simple to use interface and the links provided were very self explanatory, even gave a breakdown of fees. Sam was an absolute lovely bloke to deal with and so helpful! Cannot fault our experience and would recommend 100%
August 2022
Kim Kelly
Being able to defer payment was fantastic for us. Our campaign was able to commence immediately and our house was on the market straight away. This is certainly a bonus
July 2022
Alex Speirs
To all concerned, it's been really good working with Realty Assist, they understand that the initial outlay of selling your property can be stressful and in this day and age money can be tight for most families. Realty Assist helps reduce the stress by deferring the on costs until the property sells. Thanks for your understanding Realty Assist.
July 2022
Dellas Port
Wow! What a fantastic way to assist seller's by deferring market costs until settlement. And so easy to use. Not only do they take the financial stress out of putting your home on the market, but they will even lend you more money to fix up those little things around the house so that you can present your home in the best possible way. And again, repayment is deferred until settlement. Cannot recommend more highly.
June 2022

How it Works - Fast Bridging Loans

Selling or Sold Property

Selling Property
You are selling or have sold your property but you need access to some or all of the settlement funds - fast - before it settles.

Get in Touch

Get in Touch
You get in touch and let us know how much and how fast you need access to your settlement funds.

Process Application

Process Application
We review your details, process your application ASAP and keep in touch with you at every step.

Pay Settlement Advance

Pay Settlement Advance
We quickly pay your settlement advance into your chosen account, as soon as your application has been approved and you have agreed terms.

Use Advance Funds

Use Advance Funds
You use your advance to bid at auctions, put down a deposit, buy your new home, make repairs or for any other approved settlement advance purpose.

Need More Time?

Extend Advance
Your advance is set up to run for 60 days. However, if you need more time before your property settles, please contact us for assistance.

Property Settlement Completes

Settlement Completes
Your property settles and your Settlement Advance is automatically repaid out of the settlement funds.
Your Fast Bridging Loan application will take only a few minutes to complete, so you can get your funds as quickly as possible.

Compare Settlement Advances to Bridging Loans

Settlemet Advances Logo Typical
Bridging Loans
Borrow up to Available Equity1 tick cross
Same Day Approval tick cross
Typical Funding Time 24 - 48 Hours 2 - 3 Weeks
No Application or Admin Fee tick cross
One-off Credit Fee2 tick cross
Get Started

What are Bridging Loans?

A bridging loan, also known as a caveat loan, is a type of short term property loan, usually for the purpose of buying a home or other property and used while waiting for a longer term financial solution or a temporary fix.

Bridging loans generally run from as short as a few weeks up to a couple of years in some cases. They are generally used to assist buying a new home, while waiting for their existing home to sell, so they 'bridge' the gap between these events. Bridging loans may take a few weeks to process and fund, so are not suitable in all situations.

Settlement Advances, offer a faster option to bridging loans, where the loan may be approved and funded much quicker. We can fund in emergencies in 24 hours, or faster and the same day in some cases.

See How it Works above to learn more.

See Short Term Bridging Loans for more info.

How to Qualify for a Fast Bridging Loan?

In order to qualify with SettlementAdvances.com.au, which offers a faster solution than traditional bridging loans, you must own or have equity in a property or your home, which you intend to sell or have recently sold.

Your credit history is not considered as we do not make any credit checks or enquiries on your application.

The amount you can advance on your property sale cannot exceed the equity you own in the sale property1.

The advance can be used for a range of purposes from the costs associated with preparing your property for sale, such as repairs, home advertising costs (VPA), deposits on a new property, bidding at auction or for the outright purchase of another property.

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Do You Qualify for a Fast Bridging Loan?

In order to qualify with Settlement Advances with your fast bridging loan enquiry;

You must:

  • Be over 18 years of age
  • Be an Australian resident or citizen
  • Own or have a mortgage on your home or property
  • Be selling( or have recently sold) your home or property
  • Be able to solve your cashflow needs with a fast bridging loan
  • Be able to repay your advance on settlement( when your property sells)

Get Started

What Can Fast Bridging Loans be Used For?

Fast bridging loans can be useful in a number of situations, where you are asset rich( in a property) and have a shortfall in cash and need access to your equity fast.

If you are in the process of selling your property, you know that when your property sells, the equity that you have built up in your property will be available to you, however if you need to make use of that locked up equity before the settlement date, a fast bridging loan may help.

Some common examples include:

  • Getting an advance prior to the property sale for essential repairs
  • Putting down a deposit on your dream property
  • Bidding at auction for your dream property
  • Completing a property purchase to an agreed date - before your sale completes

Fast Bridging Loans Calculator


Standard Rates

VIP Rates*

Example Advance up to 60 Days1

Get Started

Fast Bridging Loan Costs Chart - Examples up to 60 Days

Example Borrow Repay
Preparing for Sale Costs $10,000 $10,600
Property Advertising Costs $15,000 $15,900
Pre-Sale Property Repairs $25,000 $26,500
Deposit for New Property $80,000 $84,800
Bid at Auction for Property $150,000 $159,000
Purchase Property $500,000+ VIP Rates*

Everyday Customer Stories*


Dawn was advanced $260,000 on her home settlement to purchase a retirement home

Dawn was looking to purchase in an over 55's. Retired and equity rich but cash poor, she was unable to service a loan for the deposit to make the purchase into the new property.

RealtyAssist was able to help with the entire purchase price of $260,000 in under 48 hours and Dawn settled on her new place before she settled on her sale. The sold home settled two weeks after she was already happy in her new home.


Stephen was advanced $88,000 on his home settlement to bid at auction

Stephen sold his property on a Tuesday and wished to attend an auction on the upcoming Saturday to purchase his new property. Unfortunately, the banks advised a wait time of approximately 14 days to get a bridging loan in place. This would mean Stephen would miss out on the auction and perhaps buying his next home.

Luckily, with RealtyAssist, Stephen was quickly advanced $88,000 from his sales settlement on the same day he applied and was able to bid at the auction. He was successful in winning the auction!

Stephen got the home he wanted and got the funds in his account within 15 minutes of his application for a small fee of just $3,695.

Frequently Asked Questions

What is a Settlement Advance?

Similar to, but faster than a bridging loan, a settlement advance allows a home seller to get fast access their home's equity from a sale, without having to wait for the funds to be released from the bank, which may take weeks. A settlement advance can be a faster alternative to traditional bridging loans, when the funds are needed in a hurry or urgently. Settlement advances can be paid as quickly as 24 hours or on the same day in some urgent cases.

See How it Works above to learn more.

Can bridging loans be processed on the same day I apply?

Generally no, they can't. A faster option is a settlement advance. Our settlement advances may be processes on the same day in emergencies, when documentation can be provided promptly. Once you complete the form above and give us a few details about your needs, we will call you straight back to guide you through the process, so you can get access to your funds on the same day or within 24 to 48 hours.

How long does the application take?

The application online can be completed in just 3 or 4 minutes for most people. We just need your contact details, some details about the property and your advance requirements. After that, we'll call you straight back, during regular office hours to go over any questions you have and to clarify your requirements. We will also confirm with you the documents we will need to see. If your advance is an emergency, where you need the funds fast, we will prioritise your application, so you get access to funds asap.

How much can I borrow or advance?

The minimum settlement advance we offer is $5,000, while the maximum may go up to the available equity value1 of your property, minus any fees - such as $1,000,000 or more - up to $5,000,000. If you are borrowing more than $500,000 with us, we can offer you lower VIP rates* for larger loan sizes.

For additional information and access to our loan calculator, visit our page.

How much will a settlement advance cost me?

This will depend on how much money that you choose to advance with us and on how long you need the advance for, before it is repaid to us. At Settlement Advances (Realty Assist), we are very transparent with our costs and charges, and any costs will be clearly available in your contract when you agree and sign. See the Repayment Costs Chart above for some common examples of uses and costs.

How do settlement advances and bridging loans differ?

Settlement advances are often a much quicker option to bridging loans. Bridging loans can often take 2 or 3 weeks to be processed and funded. In some situations, such as bidding at an auction or putting down a deposit on a property, the funds are needed urgently and settlement advances provide a huge advantage over bridging loans, as they can be approved and paid out in 24 to 48 hours in most cases. Also see the Compare Settlement Advances to Bridging Loans chart above.

When do I have to repay my settlement advance?

Your settlement advance is set up to run for 60 days in the first instance, which is suitable in most situations. However it may be possible to extend the loan term duration when needed, such as if there is a delay in selling your property or there is a delay in the settlement date. Please contact us to discuss.

What documents or details do you need from me?

In most cases, we will need to see the following documents and details to support your application with us:

  • Contract of Sale - (if applicable) for the property you are selling or advancing against
  • Mortgage Statement - PDF document issued by your mortgage provider
  • Solicitor or Conveyancer - (if already arranged) their name, company and contact details
  • Identity Verification - A clear, colour photo of the front and back of your Driver's Licence

These documents and details can be emailed directly to us at docs@SettlementAdvances.com.au quoting your name and property address.

Can I get a same day bridging loan?

No, but there are alternatives which could provide the funds on the same day. Same day settlement advances, which are similar to bridging loans, are possible with us. When making your enquiry, please select that the funds are needed in 24 hours for us to fast track your application. We'll give you a call straight back, during regular working hours, we'll let you know what documents we need from you and confirm when we estimate your advance can be processed and funded to your bank account. Most applications with us are processed within 24 to 48 hours and sometimes sooner, on the same day, when needed in an emergency.

How can I speed up my application?

To help speed up your application, complete the short enquiry form above, which should only take 3 or 4 minutes, give us your advance details (make sure to select '24 hours'), contact details and property details straight away. We will give you a call back, so be ready to accept a phone call from us or give us a call directly to 1300 893 199, during office hours.

Will you run a credit check on my application?

No, that is not necessary. As the property you are selling or have sold provides security, we do not need to run a credit check on your application. However, we will need to see documentation to confirm the property sale or ownership.

Can I get a joint settlement advance?

If the property you are selling or have sold is in joint ownership, then yes, you can get a joint settlement advance.

Are bridging loans the best option?

Well, it really depends on your requirements and speed of funding needed. Bridging loans typically take 2 or 3 weeks to process and fund, while there are other options available. A good alternative to bridging loans, when the funding is needed faster, are settlement advances; funds can be made available within 24 to 48 hours in most cases.

Also see the Compare Settlement Advances to Bridging Loans chart above.

How long can I take out the settlement advance for?

Your settlement advance loan will be set up to run for 60 days, which gives most people plenty of time for their house settlement to complete and repay the advance to us. If more time is needed for the sale to complete, please contact us to discuss how we can help.

What is the best way to finance a bid at auction, before my property settles?

If you have already sold your property and can't wait for the sale to complete at settlement, before you can access the funds, then a very fast option is a settlement advance. We can advance the funds needed in an emergency in 24 hours, sometimes on the same day, provided everything is in place1.

How can I get a home deposit loan, before my current property settles?

If you have found a new property that you would like to own, and need to put down a deposit before your current property sale settles, then a short term property loan from us could be the answer. We could provide funds to cover the deposit, in as little as 24 hours and in some cases, in an emergency, we have provided the funding on the same day. Whether you need the funds for a home deposit, auction or outright purchase, SetlementAdvances.com.au could provide the funds, up to the available equity value of your property1 which is pending settlement - Fast!

How can get a loan for home repairs, before I list my home for sale?

We can also help with advances on your upcoming home sale with our Vendor Paid Advertising (VPA) product. We can advance up to $30,000 for the purpose of home improvements and repairs to help fix up your property, so it gets seen in the best light. Improving your chances of a fast sale at the right price.

Can I get a loan to help with advertising costs to help sell my home?

Yes you could1 make use of our Vendor Paid Advertising (VPA) product. Simply complete the short application at the top of this page to get started. We could advance you up to $30,000 to assist with your property sale and marketing costs.

Also See:

Bridging Loan Alternative - Settlement advances are a great alternative to bridging loans, to access your property sale funds fast and for a short time.

Settlement Advances - Settlement advances are available from $5,000 to $5,000,000, up to a maximum of 80% of the property value1.

Caveat Loans - Caveat loans are secured against the value of the property title, by caveat.

We're Here to Help!