Downsize to your dream retirement, faster

Our bridging loan gives retirees quick access to funds, so you can secure your next home sooner—without the stress.

downsizers on verandah

Need bridging finance?

When traditional lenders delay or refuse loans due to age or income, Funding offers a better way. Our short-term bridging loan lets you access your home’s value to move now, so you don’t miss out on your dream retirement home. Approval is fast and based on your property’s worth, not your income.

Rates from 8.99% p.a.* | Comparison rate 9.40% p.a.^

No need to worry about monthly repayments

Interest and fees are added to your loan and settled when your property sells, so your cash flow stays steady. With loan terms up to 24 months, you can sell your home when it suits you, maximising your sale price and avoiding extra costs like rent and storage.

downsizer using computer
downsizers looking to sunset

Downsizing made easy with Funding

Downsizing is a big step, but with Funding, it’s simple and stress-free. Our fast, flexible lending gets you the funds quickly, with personal support from our expert Australian team.

Get a quote for your bridging loan in just 4 hours with no impact on your credit score, and access your funds within 3 days once approved.*

Bridging finance that works for you

Fast, flexible finance with personalised support and stress-free solutions to help you make your next move, on your terms.

Enjoy finance that's tailored to your needs:

  • Fast approvals in 48 hours
  • Funds available in 3 days *
  • Borrow $25k to $10m
  • LVR up to 70%
  • Terms from 1 to 24 months
  • Repay through sale, refinancing or another strategy

Our personal service makes your move easy:

  • Friendly, expert Australian-based support team
  • Here for you 8:30am-5:00pm Monday to Friday
  • A sensible, understanding approach to credit decisions

Transition smoothly into your next chapter:

  • No income required—loan based on your home’s value
  • No monthly repayments—settled once your property sells
  • Sell on your terms, maximising your sale price
  • Move in sooner, save on rental and storage costs

Success secured with Funding

Hear how our clients benefited from faster bridging finance

I was left high and dry by a lender that over promised and under delivered for my client. I called Sam and explained the situation and the fact we needed it done quickly. We supplied what he needed and the team called in many favours and we got there. [Funding] saved my client and we settled in 8 days from submission

Phil J
-
Broker
Google

The team at Funding have been great to work with. The funds have been made available quickly and without fuss. We are about to start another project and will happily use Funding again.

Kerin Friswell
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Borrower
Google

Amazing Service! We were able to turn around a deal in 2 days so the client could settle on their dream home. Nathan worked tirelessly to get this across the line and make it a smooth experience for myself and my client. Highly Recommended.

Sandy K
-
Broker
Google

Apply online now:

Our easy-to-use and secure online form takes minutes to complete

Get approved today:

Conditional approval provided within 4 hours*

Personalised service:

Expert team to help you move forward faster

Get started with a Funding bridging loan

Our bridging loan can make your property transition a smooth experience. Don't let timing hold you back from your next move—bridge the gap and move forward faster with finance from Funding.

Move into your next chapter with confidence

We make bridging finance simple, so you can focus on enjoying the retirement you’ve earned

Fast
funds

Receive conditional approval in just 4 hours.**

Simple
process

Complete our simple, secure application form in just minutes.

Personal
service

Direct access to our expert team for any questions.

Easy
settlement

Move from approval to settlement within 3 days.

Your questions answered

Move Forward Faster

Downsize stress-free with Funding's bridging loan designed for retirees.
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