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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. Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. An ANZ Authorised Financial Adviser will, on request and free of charge, provide you with his or her disclosure statement prepared under the Financial Advisers Act 2008. If you wish to consult one of ANZ's financial advisers, please contact us on 0800 269 296.