You carry two loans at the peak
Until the old home sells, you owe on both. The bank's test is whether that peak debt stays inside 80% of the combined security. Get the structure right and the bridge is comfortable.
Finance Lab . Resources . Calculators . Bridging
Home Loans . Upgraders
Selling and buying at the same time? We make it work.
Drag to explore how your numbers move the bank's 80% peak-debt test. The balance diagram and figures update live as you adjust each slider.
Finance brokers, 17 years in Norwood. We compare 50+ lenders to structure your bridge the right way. . ACL 389328 . CRN 425945
Your figures
Repay this loan when I sell
Most bridging deals clear the existing mortgage on settlement.
Pre-filled with standard SA estimates. Override any line with firm figures.
$
$
$
Assessment assumptions
%
%
%
Bridging rate is Finance Lab's current standard variable. A 1% bank buffer is added during assessment (standard practice). The end rate is indicative for repayment modelling only.
Drag the sliders to begin
Set your current home value and new purchase price to see your bridge position.
Finance Lab Bridging Assessment
Peak debt
--
peak LVR . limit 80%
End debt
--
after old home sells
Your actual figures
What the numbers look like once your existing home settles.
Sale proceeds--
Agent fees--
3-month capitalised interestbridging period estimate--
Loan repaid from sale--
End debt after sale--
Est. repayment
--
/mo
Principal and interest . 30-year term at the end-loan rate above.
Ready to talk finance?
Tell us about your situation and we'll come prepared. We compare 50+ lenders to structure your bridge the right way, and manage everything through to settlement.
01
Your figures
Three sliders, no log-in. Drag your current value, loan and new price.
02
The 80% test
We model the peak debt while you hold both homes against the bank's 80% LVR limit.
03
End position
See your end debt and repayment once the existing home settles.
04
Structure it right
Book a call and we structure the bridge across 50+ lenders.
Why bridging needs structure
The 80% line is the whole game
Clear it and most lenders will write the bridge. Sit above it and you need a cash contribution or a different lender. This tool shows exactly where you land before you talk to anyone.
End debt is what you actually live with
The peak is temporary. What matters long term is the loan left once your old home settles, and the repayment on it. We model both so there are no surprises.
Frequently asked questions
While you hold both homes, your peak debt is the new purchase plus your existing loan plus capitalised interest and costs. Most lenders need that peak to stay within 80% of the combined value of both properties. This calculator estimates that peak and shows where you sit against the 80% line.
No. This is an estimate, not credit approval or an offer. Serviceability (your income and expenses) is not assessed here. A formal assessment happens with a lender, with your consent, if you decide to proceed.
You are not stuck. The usual paths are a cash contribution to bring the peak down, a lender with a higher bridging tolerance, or adjusting the purchase. We work through the options with you on the call.
On most bridging structures the interest is capitalised, meaning it is added to the loan rather than paid monthly while you hold both homes. This calculator capitalises interest into the peak-debt and end-debt figures so the picture is realistic.
Where does my bridge land?
Drag the sliders, watch the 80% test, and see your end debt. Then book a call and we structure it across the panel.
Run the calculator
This is an estimate, not a loan approval or an offer of credit. Serviceability (income and expenses) is not assessed here. Stamp duty uses standard 2025-26 South Australian rates.
Australian Credit Licence 389328 . John Kefalianos CRN 425945 . 08 8121 3076 . 31 Kensington Rd, Norwood SA 5067