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Bridging finance

When you're buying your next home, your new home may settle before your current home. ANZ may be able to help bridge this gap with a short-term, interest-only loan. These are commonly known as “bridging” or “tideover” loans.

Bridging finance can allow you to move quickly on the right property – without having sold your current home. It also removes the pressure of having to line up settlement dates.

However, bridging finance means you’ll have two loans until the sale on your current home settles. So you'll need to be able to pay for both loans in the meantime.

There are a number of factors to consider when deciding on whether or not bridging finance is the right option:

  • Can you afford it? Will you be able to meet the repayments on your current loan and your bridging loan? 
  • How long will you need the funds for? 
  • How certain are you that the sale on your current home will happen as and when expected?

Talk to an ANZ Home Loan Coach about your options when buying and selling a house, and if bridging finance is right for you.

How to apply

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Weekends, 9am - 5pm

0800 269 4663


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Help and support 

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ANZ lending criteria, terms, conditions, and fees apply. Interest rates and fees are subject to change.  

A copy of the Bank's General Disclosure Statement  under the Reserve Bank of New Zealand Act 1989 is available on this website or on request from any ANZ branch, free of charge.

This material is for information purposes only. We recommend seeking financial advice about your situation and goals before getting a financial product. To talk to one of our team at ANZ, please call 0800 269 296, or for more information about ANZ’s financial advice service or to view our financial advice provider disclosure statement see anz.co.nz/fapdisclosure

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