1300 893 199

Fast Bridging Loans

Same Day Approval - Fast Bridging Loans with Funds Paid in 48 Hours - up to the Value of Your Property1

24 Hrs 48 Hrs
284 Google Reviews
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
Alison Campbell
How fantastic this allows me to pay my marketing bills later when I sell my house plus I have so many bills right now with selling my house this certainly is a great helping hand Thankyou Realty Assist!
July 2022
Joe Kristof
Great experience from a very professional organisation.
July 2022
Debbie Mealing
Very friendly easy to talk to people, they're very happy to help with any concerns or if you need help with anything. I would highly recommend them.
June 2022
Debra Thomson
What a great easy to work with process. So efficient
June 2022
luke turner
A very simple and convenient process, with everything moving digital it made our experience easy.
June 2022
Dene Hopkins
Great service, very prompt and helpful. Highly recommend this service to anyone selling their home.
June 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
Darshan Patel
This Guys are best in there field.. really helpful and great with there services. I am not regretting my decision
June 2022
George Petrinovich
Makes sense to cover all marketing expenses at settlement. Less upfront costs to deal with.
May 2022
Alex Knight
So simple and easy to use. No stress involved. Love the service.
May 2022
Hazel fox
Fast, efficient service and a stress free option when selling your property
May 2022
Kay Woodcock
What a fast efficient way to process the payment. Wonderful service.
May 2022
Fiona Newman
Realty Assist Make selling a house so easy by organising all aspects of marketing for us! And it is so helpful that they allow deference of payment until settlement!
May 2022
Fred Morrell
Great service allowing you to free up money at a time when you have more expenses getting ready for the sale and decluttering
May 2022
Philippe Francis Lodoiska
Good assistance to vendors. Nice and easy process. Pay later option. Very reasonable marketing prices. Recommended.
April 2022
Casandra Maria
Pretty straightforward - easy to use and understand.
April 2022
Jackie Nugara
Realty Assist Australia have made selling my home much easier and have taken a great deal of the pressure off during a normally stressful process. Being able to pay for the marketing campaign at settlement is a game changer...
April 2022
Maureen McPhee
Realty Assist was so easy and the option to defer the payment until settlement is a godsend. Thank you
April 2022
Leonie Barbour
Fantastic service, easy to follow and understand, with a pay later option.
April 2022
stuart mcphie
Cool idea,not upfront fees. Works for our situation. Very easy to set up.
April 2022
Rob Stefanovski
A very flexible and affordable solution for preparing your home for sale. I'm an agent and understand how much time effort and money goes into preparing your home for sale... simple and affordable. Highly recommend it!!
April 2022
Margarita Houston
Quick, easy and flexible process to suit any situation. Very good service
March 2022
han Ah-Hoa
The process was easy and fast. Thank you for allowing me to put my home on the market with an option to pay after.
9th March 2022
Steve Steve
Good service and the result I wanted which helped me out. Deferring the cost of marketing until later when I had more cash. Yes there’s always a downside to the interest charged, although it wasn’t huge.
7th March 2022
Michelle Mahony
Funds cleared super fast, easy process and really helped us out. A perfect example of a service that is a win-win for everyone!
February 2022
Trish Kelly
So, so easy! Realty Assist Australia helped me get my property on the market super fast in the safest way! No hassles, no worry 😊 Thank you!
February 2022
Erin Thomas
The process was so easy and straightforward and has taken so much stress out of what is already a very stressful process!
February 2022
David Phelps
Absolutely outstanding service. Extremely professional and genuinely talented.
February 2022
Brenton Greatrex
Absolutely fantastic service and flexible options. I can advertise and sell my house without having to put any money down. $50 is a small price to pay to defer for 60 days. Thank you
February 2022
Ajdin Fetibegovic
Sam and his team go above and beyond to assist wherever they can. Fast and very efficient service. Recommend these guys over and over
February 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 processed 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.

Extend Advance if Needed

Extend Advance
Your advance is set up to run for 60 days. However if you need more time before your property settles, we can automatically extend your advance terms.

Property Settlement Completes

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

Compare Settlement Advances to Bridging Loans

Settlemet Advances Logo Typical
Bridging Loans
No Credit Check tick cross
Borrow up to the Value of Property1 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

Fast Bridging Loan Calculator - 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*

What are Bridging Loans?

A bridging loan, also known as a caveat loan is a type of short term financing, 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.

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 cheks 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.

Get Started

Everyday Customer Stories*


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

Helen 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 Helen 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.


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

James 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 James would miss out on the auction and perhaps buying his next home.

Luckily, with RealtyAssist, James 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!

James 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 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 promtly. 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 fundfs 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 the 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. If your advance is an emergency, where you need the funds fast, we will prioritiese 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 value 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.

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 Settlemet 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 is 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.

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 Drivers Licence

These documents and details can be emailed directly to us at info@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. In some cases, this is not possible and so the advance terms can be extended in additional 30 day blocks or more.

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 place.

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 settlement advance 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 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 Advestising (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 could 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.

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