How does a Clinch bridging loan work?
A Clinch bridging loan is a short-term loan designed to bridge the gap between buying a new property and selling your existing one. It lets you access funds quickly so you can purchase your next home without waiting for your current property to sell. Interest is capitalised during the term, meaning no regular repayments are required.
What is the difference between a Bridging Loan and Easy Equity?
A bridging loan is a short-term loan used to bridge the gap when buying a new property before selling your current one. It gives borrowers the flexibility to secure their next home without the pressure. Easy equity allows you to unlock the equity in your current property to secure your next home, fund renovations or manager unexpected costs.
Who is eligible for a Clinch bridging loan?
At Clinch, our bridging loans are designed to help property owners smoothly transition between homes. You may be eligible if you: own a property with sufficient equity to use as security for the loan; are purchasing a new property and need short-term finance before selling your existing home; have a clear exit strategy, typically the planned sale of your current property within the loan term; can demonstrate a stable financial position with the ability to service loan repayments; and meet Clinch’s lending credit criteria which includes, Equifax credit score, past loan repayment conduct and general security eligibility.
How long do I have to sell my existing home?
With a bridging loan from Clinch, the typical loan term ranges from 3 to 12 months, giving you flexibility to sell your current property without rushing.
What happens if interest rates go up or down?
Variable rate loans will generally move with RBA interest rate decisions, but in some cases interest rates can move outside one or more of these market movements. When we change our interest rates, the following applies: 1. Interest in Advance: Where you’ve paid interest in advance we recalculate the applicable interest in advance that would have applied over the term and deduct (when more interest was payable) or refund (where less interest was payable), the difference at settlement. 2. Interest in arrears: You repayments will accrue at the rate of interest that allies and collects at discharge of your loan.
Can I still get a Clinch bridging loan if I haven’t found my new home?
Clinch offers flexible bridging loan options that don’t always require you to have secured your next property upfront. This can help you unlock equity or prepare financially while you continue your property search.
What happens if I repay my loan early?
There is no additional cost and there are no penalties for early repayment of your bridging loan. • Interest in Advance: Where you’ve paid interest in advance we recalculate the applicable interest in advance that would have applied over the shorter term and refund the surplus interest paid by you. • Interest in arrears: You will only pay the interest you have accrued during the reduced term. No additional interest is payable.
What is the difference between Interest in Advance and Capitalised Interest
Interest in Advance is calculated upfront and set aside in a locked redraw facility to make the monthly repayments. Capitalised Interest accrues over the loan term and is added to the loan balance, with interest paid at the end when the loan is repaid.
Why would I choose Interest in Advance over Capitalised Interest?
In most cases the interest rate available from Clinch is less if you elect to pay interest in advance. This means you’ll pay less interest over the life of the loan
Do I need to make repayments during the bridging period?
With a bridging loan from Clinch, you typically only need to make interest repayments during the bridging period. This helps keep your monthly payments manageable while you transition between properties.
Will I have to pay two mortgages at once?
With a bridging loan from Clinch, you typically only make interest repayments on the bridging loan during the bridging period, not the full mortgage repayments. This means your monthly payments are generally lower than holding two full mortgages.
What determines my valuation fee?
Different valuation fees apply based on location and value of your property. The valuation fee is at cost and is non-refundable.
What happens if my home doesn’t sell in time?
If your property doesn’t sell within the agreed bridging loan term, it’s important to contact Clinch as soon as possible. We understand that selling a home can take longer than expected due to market conditions or other factors.
When is the application fee payable?
The application fee is payable with your valuation fee and is only refunded at settlement of your loan
What is a Comparison Rate and how does it work?
A comparison rate is a tool designed to help borrowers better understand the overall cost of a loan. It combines the advertised interest rate with certain standard fees and charges to provide a broader view of what the loan may cost over time. A comparison rate may take into account: Interest payable on the loan. Establishment or application fees. Ongoing loan charges It generally does not include: Government charges such as stamp duty or mortgage fees. Discharge or early repayment fees. Redraw fees or other conditional charges.
How does a Clinch bridging loan work?
A Clinch bridging loan is a short-term loan designed to bridge the gap between buying a new property and selling your existing one. It lets you access funds quickly so you can purchase your next home without waiting for your current property to sell. Interest is capitalised during the term, meaning no regular repayments are required.
What is the difference between a Bridging Loan and Easy Equity?
A bridging loan is a short-term loan used to bridge the gap when buying a new property before selling your current one. It gives borrowers the flexibility to secure their next home without the pressure. Easy equity allows you to unlock the equity in your current property to secure your next home, fund renovations or manager unexpected costs.
Who is eligible for a Clinch bridging loan?
At Clinch, our bridging loans are designed to help property owners smoothly transition between homes. You may be eligible if you: own a property with sufficient equity to use as security for the loan; are purchasing a new property and need short-term finance before selling your existing home; have a clear exit strategy, typically the planned sale of your current property within the loan term; can demonstrate a stable financial position with the ability to service loan repayments; and meet Clinch’s lending credit criteria which includes, Equifax credit score, past loan repayment conduct and general security eligibility.
How long do I have to sell my existing home?
With a bridging loan from Clinch, the typical loan term ranges from 3 to 12 months, giving you flexibility to sell your current property without rushing.
What happens if interest rates go up or down?
Variable rate loans will generally move with RBA interest rate decisions, but in some cases interest rates can move outside one or more of these market movements. When we change our interest rates, the following applies: 1. Interest in Advance: Where you’ve paid interest in advance we recalculate the applicable interest in advance that would have applied over the term and deduct (when more interest was payable) or refund (where less interest was payable), the difference at settlement. 2. Interest in arrears: You repayments will accrue at the rate of interest that allies and collects at discharge of your loan.
Can I still get a Clinch bridging loan if I haven’t found my new home?
Clinch offers flexible bridging loan options that don’t always require you to have secured your next property upfront. This can help you unlock equity or prepare financially while you continue your property search.
What happens if I repay my loan early?
There is no additional cost and there are no penalties for early repayment of your bridging loan. Interest in Advance: Where you’ve paid interest in advance we recalculate the applicable interest in advance that would have applied over the shorter term and refund the surplus interest paid by you. Interest in arrears: You will only pay the interest you have accrued during the reduced term. No additional interest is payable.
What is the difference between Interest in Advance and Capitalised Interest
Interest in Advance is calculated upfront and set aside in a locked redraw facility to make the monthly repayments. Capitalised Interest accrues over the loan term and is added to the loan balance, with interest paid at the end when the loan is repaid.
Why would I choose Interest in Advance over Capitalised Interest?
In most cases the interest rate available from Clinch is less if you elect to pay interest in advance. This means you’ll pay less interest over the life of the loan
Do I need to make repayments during the bridging period?
With a bridging loan from Clinch, you typically only need to make interest repayments during the bridging period. This helps keep your monthly payments manageable while you transition between properties.
Will I have to pay two mortgages at once?
With a bridging loan from Clinch, you typically only make interest repayments on the bridging loan during the bridging period, not the full mortgage repayments. This means your monthly payments are generally lower than holding two full mortgages.
What determines my valuation fee?
Different valuation fees apply based on location and value of your property. The valuation fee is at cost and is non-refundable.
What happens if my home doesn’t sell in time?
If your property doesn’t sell within the agreed bridging loan term, it’s important to contact Clinch as soon as possible. We understand that selling a home can take longer than expected due to market conditions or other factors.
When is the application fee payable?
The application fee is payable with your valuation fee and is only refunded at settlement of your loan
What is a Comparison Rate and how does it work?
A comparison rate is a tool designed to help borrowers better understand the overall cost of a loan. It combines the advertised interest rate with certain standard fees and charges to provide a broader view of what the loan may cost over time. A comparison rate may take into account: Interest payable on the loan. Establishment or application fees. Ongoing loan charges It generally does not include: Government charges such as stamp duty or mortgage fees. Discharge or early repayment fees. Redraw fees or other conditional charges.
How does a Clinch bridging loan work?
A Clinch bridging loan is a short-term loan designed to bridge the gap between buying a new property and selling your existing one. It lets you access funds quickly so you can purchase your next home without waiting for your current property to sell. Interest is capitalised during the term, meaning no regular repayments are required.
What is the difference between a Bridging Loan and Easy Equity?
A bridging loan is a short-term loan used to bridge the gap when buying a new property before selling your current one. It gives borrowers the flexibility to secure their next home without the pressure. Easy equity allows you to unlock the equity in your current property to secure your next home, fund renovations or manager unexpected costs.
Who is eligible for a Clinch bridging loan?
At Clinch, our bridging loans are designed to help property owners smoothly transition between homes. You may be eligible if you: own a property with sufficient equity to use as security for the loan; are purchasing a new property and need short-term finance before selling your existing home; have a clear exit strategy, typically the planned sale of your current property within the loan term; can demonstrate a stable financial position with the ability to service loan repayments; and meet Clinch’s lending credit criteria which includes, Equifax credit score, past loan repayment conduct and general security eligibility.
How long do I have to sell my existing home?
With a bridging loan from Clinch, the typical loan term ranges from 3 to 12 months, giving you flexibility to sell your current property without rushing.
What happens if interest rates go up or down?
Variable rate loans will generally move with RBA interest rate decisions, but in some cases interest rates can move outside one or more of these market movements. When we change our interest rates, the following applies: 1. Interest in Advance: Where you’ve paid interest in advance we recalculate the applicable interest in advance that would have applied over the term and deduct (when more interest was payable) or refund (where less interest was payable), the difference at settlement. 2. Interest in arrears: You repayments will accrue at the rate of interest that allies and collects at discharge of your loan.
Can I still get a Clinch bridging loan if I haven’t found my new home?
Clinch offers flexible bridging loan options that don’t always require you to have secured your next property upfront. This can help you unlock equity or prepare financially while you continue your property search.
What happens if I repay my loan early?
There is no additional cost and there are no penalties for early repayment of your bridging loan. Interest in Advance: Where you’ve paid interest in advance we recalculate the applicable interest in advance that would have applied over the shorter term and refund the surplus interest paid by you. Interest in arrears: You will only pay the interest you have accrued during the reduced term. No additional interest is payable.
What is the difference between Interest in Advance and Capitalised Interest
Interest in Advance is calculated upfront and set aside in a locked redraw facility to make the monthly repayments. Capitalised Interest accrues over the loan term and is added to the loan balance, with interest paid at the end when the loan is repaid.
Why would I choose Interest in Advance over Capitalised Interest?
In most cases the interest rate available from Clinch is less if you elect to pay interest in advance. This means you’ll pay less interest over the life of the loan
Do I need to make repayments during the bridging period?
With a bridging loan from Clinch, you typically only need to make interest repayments during the bridging period. This helps keep your monthly payments manageable while you transition between properties.
Will I have to pay two mortgages at once?
With a bridging loan from Clinch, you typically only make interest repayments on the bridging loan during the bridging period, not the full mortgage repayments. This means your monthly payments are generally lower than holding two full mortgages.
What determines my valuation fee?
Different valuation fees apply based on location and value of your property. The valuation fee is at cost and is non-refundable.
What happens if my home doesn’t sell in time?
If your property doesn’t sell within the agreed bridging loan term, it’s important to contact Clinch as soon as possible. We understand that selling a home can take longer than expected due to market conditions or other factors.
When is the application fee payable?
The application fee is payable with your valuation fee and is only refunded at settlement of your loan
What is a Comparison Rate and how does it work?
A comparison rate is a tool designed to help borrowers better understand the overall cost of a loan. It combines the advertised interest rate with certain standard fees and charges to provide a broader view of what the loan may cost over time. A comparison rate may take into account: Interest payable on the loan. Establishment or application fees. Ongoing loan charges It generally does not include: Government charges such as stamp duty or mortgage fees. Discharge or early repayment fees. Redraw fees or other conditional charges.
Frequently asked questions
“We secured our new home without waiting, and we got the best price on the old one.”
Sarah, NSW
Important information
Clinch™ is a trademark of AHC Finance Pty Limited ABN 35 161 006 846 T/As Clinch Finance (Australian Credit Licence No. 448165). *Approved applicants only. Terms, conditions, fees and charges apply. All applications are subject to lending and approval criteria. # Comparison rate is calculated on a $150,000 secured loan over a 25-year term. Set-up fee from 0.75% and government charges apply. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
© 2026
Clinch