Mortgage Financing
Bridge Loans
Buying before you sell? A bridge loan gives you the short-term financing you need to close on your new property without waiting for your current one to sell.
What Is a Bridge Loan?
A bridge loan is a short-term financing solution — typically 30 to 180 days — that "bridges" the gap between purchasing a new property and receiving the proceeds from the sale of your existing one. It allows you to move forward with confidence when timing doesn't perfectly align, without the pressure of a conditional offer or the risk of losing a property you want.
When Does a Bridge Loan Make Sense?
You found your next home
Your offer was accepted but your current home hasn't sold yet — or the closing dates don't line up.
You want to avoid conditions
A bridge loan lets you make a firm offer on a new property without making it conditional on selling your current one.
Timing gap between closings
Your purchase closes before your sale — you need short-term capital to cover the overlap.
Investment property acquisition
You're acquiring a new investment property and need interim financing while arranging longer-term funding.
How It Works
Fast Approval
Bridge loans are designed to move quickly. Once your sale is confirmed, approval can often happen within days.
Short-Term Duration
Typically 30 to 180 days. The loan is repaid in full once your existing property closes.
Based on Confirmed Sale
Most lenders require a firm sale agreement on your existing property. We work with lenders who can accommodate various situations.
Interest-Only Payments
Bridge loans typically carry interest-only payments during the term, keeping your short-term cash flow manageable.
Important to Know
Bridge loans carry higher interest rates than standard mortgages due to their short-term, higher-risk nature. They are a tool for specific situations — not a long-term financing strategy. We will always walk you through the full cost and make sure it makes sense for your situation before recommending one.
Our Process
Situation Review
We review your purchase and sale timelines, equity position, and financing needs.
Lender Identification
We identify lenders offering bridge financing suited to your file and timeline.
File Preparation
We compile the required documents — purchase agreement, sale agreement, mortgage details — and submit your file.
Funding & Repayment
Funds are advanced at your purchase closing and repaid automatically when your sale closes.
Need Bridge Financing?
Talk to us before your closing date — the sooner we start, the more options we have.