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Bridging Loans

What Is a Bridging Loan?

A bridging loan is a short-term financing solution designed to “bridge” the gap between buying a new property and selling your existing one. This type of loan provides you with the funds needed to purchase your new home before your current property has sold, allowing you to secure your dream home without the stress of timing both transactions perfectly. Bridging loans typically last between 6 and 12 months and are secured against both your existing property and the new property you’re purchasing.

When Might You Need a Bridging Loan?

Bridging loans are ideal if you:

  • Found your dream home before selling: You've found the perfect property but haven't sold your current home yet and don't want to miss out on the opportunity.
  • Want to avoid renting between properties: You prefer to move directly from your old home to your new one without the hassle and expense of temporary accommodation.
  • Need to act quickly in a competitive market: In hot property markets, sellers often prefer unconditional offers, which require you to settle without a "subject to sale" clause.
  • Are buying at auction: Auction purchases require immediate settlement capability, but you haven't sold your current property yet.
  • Want to renovate before selling: You plan to renovate your current home to maximise its sale price but need to purchase and move into your new property first.
  • Are upsizing or downsizing: You're moving to a larger or smaller home and need flexibility with timing to ensure a smooth transition.
  • Face settlement timing mismatches: Your new property settles before your current property, creating a temporary funding gap.

Key Advantages of Bridging Loans

  • Secure your new home first: Purchase your new property without waiting for your current home to sell, avoiding the risk of missing out.
  • No temporary accommodation needed: Move directly from your old home to your new one, saving rental costs and the hassle of moving twice.
  • Stronger negotiating position: Make unconditional offers that are more attractive to sellers, potentially securing better purchase prices.
  • Time to maximise sale price: Sell your current home without pressure, allowing time to present it well, conduct open homes, and negotiate the best price.
  • Renovation opportunity: Renovate your current home while living in your new one, potentially increasing your sale price significantly.
  • Flexibility and control: Manage both transactions on your timeline without the stress of coordinating settlement dates perfectly.
  • Interest-only payments: Most bridging loans require interest-only payments during the bridging period, keeping costs manageable.

How Bridging Loans Work in Practice

Bridging loans use the equity in your existing property plus the equity in your new purchase to provide temporary financing. Here’s how the process typically works:

Assessment

Your lender assesses the combined value of both properties (your existing home and the new property you're buying) to determine how much you can borrow.

Approval

The lender approves a bridging loan that covers:

  • The deposit and purchase price of your new home
  • Your existing home loan (which remains in place)
  • Any additional costs

Settlement of New Property

You settle on your new property using the bridging loan funds, while still owning your existing property.

Sale of Existing Property

You market and sell your existing property, typically within 3-6 months.

Repayment

Once your existing property sells, you use the proceeds to:

  • Pay off your original home loan
  • Pay off the bridging loan portion
  • Retain any remaining funds as your deposit/equity in the new property

Conversion

Your loan converts to a standard home loan on your new property.

Example Scenario
Let’s look at how bridging finance works in practice:

Your Current Situation

Current home value
$700,000
Current home loan
$300,000
Equity available
$400,000
New property purchase price
$900,000
Bridging Loan Structure

Keep existing $300,000 loan (paid off when current home sells)

New bridging loan: $600,000 (to purchase new property)

Total debt during bridging period: $900,000
Combined property value: $1,600,000
LVR during bridging: 56%

Interest During Bridging Period: At 7.5% p.a. on $900,000 = approximately $5,625 per month (interest-only)

After Current Home Sells

Sale proceeds
$700,000
Pay off original loan
-$300,000
Pay off bridging portion
-$600,000
Selling costs (approx.)
-$20,000
Remaining funds
None

in this example, you’ve used your full equity

Final Position:

New property value: $900,000

Remaining loan: $900,000 (converts to standard home loan)

LVR on new property: 100%
In this scenario, you’ve used all your equity to purchase the more expensive property. Alternatively, if your new property cost less or you had more equity, you’d have funds remaining as a deposit buffer.

Types of Bridging Loans

Closed Bridging Loan

You have a confirmed sale contract on your existing property with a settlement date. This is lower risk for lenders and typically attracts better rates and terms.

Open Bridging Loan

You don't yet have a buyer for your existing property. This carries higher risk and usually has stricter lending criteria, higher interest rates, and shorter maximum terms.

First Mortgage Bridging

The bridging loan is secured as a first mortgage against your properties, typically offering better rates.

Second Mortgage Bridging

The bridging finance sits behind your existing mortgage as a second-ranking security, usually with higher interest rates due to increased lender risk.

How Lenders Calculate Borrowing Capacity

Lenders use different methods to assess bridging loans:

Peak Debt Method

Assesses your ability to service both loans simultaneously at the "peak debt" moment, when you own both properties and owe both loans.

End Debt Method

Assesses your ability to service the final loan amount once your existing property sells and you only owe on the new property.

Combined Security

Both properties secure the loan, with lenders typically requiring:

  • Combined LVR under 80% (sometimes up to 90% with LMI)
  • Ability to service peak debt for at least 6 months
  • Confirmed sale contract for closed bridging
  • Evidence existing property is marketable for open bridging

Interest Calculation Methods

Bridging loans handle interest in different ways:

Capitalized Interest

Interest is added to your loan balance during the bridging period rather than paid monthly. This preserves cash flow but increases your total debt.

Interest-Only Payments

You make monthly interest payments on the bridging loan, keeping the loan balance from growing but requiring monthly cash flow.

Interest Reserve Account

Some lenders set aside funds to cover interest during the bridging period, drawing from this reserve automatically each month.

Costs and Fees

Bridging loans involve several costs:

  • Interest Rates: Typically 1-2% higher than standard home loan rates, reflecting the short-term nature and higher risk.
  • Establishment Fees: Usually $500-$1,500 to set up the bridging loan.
  • Valuation Fees: $300-$600 for each property valuation (you'll need valuations for both properties).
  • Legal Fees: Conveyancing and legal costs for the new purchase and potentially for restructuring loans.
  • Discharge Fees: $300-$500 when the bridging loan is paid out after your property sells.
  • Exit Fees: Some lenders charge exit fees of $500-$1,000 when the bridging arrangement ends.
  • Monthly Account Fees: $10-$30 per month during the bridging period.
  • Lenders Mortgage Insurance (LMI): If your combined LVR exceeds 80%, you may need to pay LMI, which can be substantial on large loan amounts.

Things to Consider

Bridging loans offer flexibility but come with important considerations:

Higher interest rates

Bridging loans typically cost 1-2% more than standard home loans, making them expensive if used for extended periods.

Time pressure to sell

Most bridging loans have maximum terms of 6-12 months, creating pressure to sell your existing property within this timeframe.

Higher overall debt

During the bridging period, you’re servicing loans on both properties, which can be financially stressful.

Market risk

If property values decline, you could end up with less equity than expected when your existing property sells.

Sale price uncertainty

You’re committing to a purchase without knowing exactly what your current property will sell for.

Two sets of costs

You’ll pay selling costs on your old property and buying costs on your new one in close succession.

Serviceability requirements

Lenders assess your ability to service peak debt, which can limit how much you can borrow.

What if your property doesn't sell?

If your property doesn’t sell within the bridging period, you may face:
  • Extension fees and higher interest rates
  • Forced sale at a lower price
  • Potential default if you can’t meet repayments

Alternatives to Bridging Loans

Before committing to a bridging loan, consider these alternatives:

"Subject to Sale" Purchase

Make your new property purchase conditional on selling your existing home first. This eliminates bridging finance but makes your offer less attractive to sellers and you risk missing out if your property doesn't sell in time.

Sell First, Then Buy

Sell your existing property first, then purchase your new one. This avoids bridging finance but may require temporary rental accommodation and you risk missing your ideal property.

Deposit Bond or Guarantee

Use a deposit bond or family guarantee to secure the new property while selling your existing one, potentially avoiding bridging finance altogether.

Extended Settlement Period

Negotiate a longer settlement period (90-120 days instead of 30-60 days) on your new purchase, giving you more time to sell your existing property.

Equity Loan or Line of Credit

If you have sufficient equity, draw on a line of credit for the new deposit and initial costs, then refinance once your existing property sells.

Tips for Successful Bridging Finance

To minimise risk and cost when using a bridging loan:
  • Get pre-approval early: Understand your borrowing capacity and have bridging finance pre-approved before making offers on new properties.
  • Price realistically: Set a competitive, market-appropriate price on your existing property to ensure it sells within the bridging period.
  • Engage a good agent: Work with an experienced real estate agent who understands the urgency and can market your property effectively.
  • Prepare your property: Present your existing home in the best possible condition to maximize sale price and speed.
  • Have contingency plans: Understand what happens if your property doesn't sell in time and have backup options ready.
  • Budget for all costs: Factor in bridging loan interest, selling costs, buying costs, and potential holding costs for both properties.
  • Consider closed bridging: If possible, secure a buyer for your existing property before settling on your new one to access better rates and terms.
  • Minimize the bridging period: The shorter your bridging period, the less interest you'll pay - act quickly to list and sell your existing property.
  • Maintain financial buffers: Keep emergency funds available to cover unexpected costs or extended bridging periods.
  • Seek expert advice: Work with experienced mortgage brokers who understand bridging finance and can structure the loan optimally for your situation.

Who Benefits Most?

Bridging loans are particularly valuable for:
  • Upgrading families who've found their dream home but haven't sold their current property
  • Downsizers moving to smaller homes in competitive markets where good properties sell quickly
  • Auction buyers who need unconditional finance to compete at auction
  • Relocating professionals who need to move quickly for work and can't wait to sell first
  • Renovators who want to improve their existing property before selling while living elsewhere
  • Market opportunists who've found exceptional value and need to act fast

Is a Bridging Loan Right for You?

A bridging loan can be an excellent solution if you:
  • Have substantial equity in your existing property (typically at least 20-30%)
  • Are confident your existing property will sell within 6-12 months
  • Can service both loans during the bridging period
  • Have found a property you don't want to miss out on
  • Prefer not to rent between properties
  • Are comfortable with the higher costs for the convenience and security

However, bridging finance probably isn’t suitable if:

  • You have limited equity or tight finances
  • Your existing property may be difficult to sell
  • You can't service both loans simultaneously
  • You're uncomfortable with the time pressure and financial risk

Our experienced brokers specialize in bridging finance and can help you:

  • Assess whether bridging finance is the right solution for your situation
  • Structure your bridging loan optimally to minimise costs
  • Navigate the application process smoothly
  • Plan your property sale strategy to minimise the bridging period
  • Understand all costs and risks involved
  • Explore alternatives if bridging finance isn't the best fit

Get in touch today to discuss your situation and discover how we can help you bridge the gap between your current home and your dream property.

Testimonials

We deliver personalised, high quality lending solutions.

Excellent
Georgie R.
Thanks Matt, Ian and the crew at Crew Financial for helping us buy our first home. We honestly had no idea where to start, but Ian took the time to answer every question and made the whole process feel so much less stressful. We always felt supported and knew we could reach out whenever we needed. Really grateful for all the hard work and help getting us into our first home!
Response from the owner:Thank you so much for the kind words! We’re so glad Ian, Matt and the Crew Financial team could help make the process feel easier and less stressful for your first home purchase. Congratulations again on such an exciting milestone, and thank you for trusting us to be part of the journey! 🏡
Wayne R.
We cannot thank our financial broker enough for all the help and support they gave both my daughter her partner and myself throughout the entire process of securing finance for her first home. From start to finish, they were incredibly helpful, patient, and understanding every step of the way.

No question was ever too silly to ask, and they always took the time to explain everything clearly and guide us through what could have been a very stressful process. Their knowledge, kindness, and constant reassurance made such a difference and gave us so much confidence along the way.

We are so very grateful for all the guidance, care, and effort they put into helping my daughter and her partner achieve their dream of buying their first house. We highly recommend them to anyone looking for a broker who genuinely cares about their clients and goes above and beyond to help.

Thank you again for everything — we truly appreciate it more than words can say. Thanks Matt you're a legend
Response from the owner:Thank you so much for your incredibly kind words. It was an absolute pleasure helping your daughter and her partner through such an exciting milestone, and I’m so grateful to have been able to support your family throughout the journey. Congratulations again to your daughter and her partner on their first home — such an amazing achievement! Thank you again for trusting me to be part of it, and for taking the time to leave such a thoughtful review. It truly means a lot. Matt
Joshua H.
Special thanks to Ian and Matt for helping us in buying our first investment property.
Response from the owner:Thank you for the kind review, Joshua. Ian and Matt are thrilled they could help you purchase your first investment property and congratulate you on this milestone. We look forward to supporting your future investments. Your feedback is appreciated. Crew Financial
Ray S.
James did an excellent job helping me refinance a complicated loan structure that needed to be completed within a very short timeframe. He dealt professionally with numerous difficulties and delays from the banks and worked hard to keep everything moving throughout the process.

Communication was excellent the entire way through, with quick responses to questions and fast action whenever issues arose. I really appreciated his persistence, professionalism, and ability to navigate a difficult situation successfully. I would highly recommend James to anyone looking for a knowledgeable and reliable mortgage broker.
Response from the owner:Thank you, Ray, for taking the time to share your experience. We’re thrilled James was able to navigate the complex refinance and meet your tight timeframe while keeping communication clear and prompt. I’ll be sure to pass your praise along to him and the team. Please reach out any time if you need assistance in the future. Your feedback is appreciated. Crew Financial
Joziane G.
Amazing experience with Jeramy. He was able to think out the box when there was some limitations and worked as hard as he could to get me the best outcome.
Response from the owner:Thank you for your kind words, Joziane. We're thrilled Jeramy could think outside the box and work so hard to deliver the best outcome despite the limitations. We’ll be sure to pass along your praise to him. We look forward to assisting you again. Your feedback is appreciated. Crew Financial
Aine Rose T.
Dan from Crew Financial has helped broker 2 loans for me - communication, efficiency and customer service were second to none.
Response from the owner:Thank you so much, Aine, for the wonderful review. We’re thrilled Dan and the Crew Financial team delivered exceptional communication, efficiency, and customer service for both loans. We appreciate your trust and look forward to assisting you again or anyone you refer. Your feedback is appreciated. Crew Financial
Zoe S
Excellent experience
Response from the owner:Thank you, Zoe! We're thrilled you had an excellent experience and appreciate the 5-star review. We look forward to welcoming you back soon. Your feedback is appreciated. Crew Financial
Kirk C.
Brett was amazing to deal with. I honestly couldn’t recommend him more highly. Professional, knowledgeable and incredibly responsive. I would absolutely recommend Brett for anyone looking for a reliable and trustworthy mortgage broker.
Response from the owner:Thank you for taking the time to share this glowing feedback. We're thrilled Brett was professional, knowledgeable, and responsive throughout your experience. Your recommendation means a lot to us and to Brett personally. We’ll be sure to pass along your kind words. If you ever need assistance again, we’re here to help. Your feedback is appreciated. Crew Financial
Cherie E.
As first home owners we loved dealing with our Mortgage Broker Melina. She was down to earth, sincere, gave us a lot of her time and really seemed to care for us in our unusual set of circumstances. She found us a few suitable options with various banks which was so encouraging given our ages and finances. Thank you Melina! We will certainly recommend you to our friends and family as you came so highly recommended to us.
Response from the owner:Thank you so much for your kind words, Cherie. We're thrilled Melina could guide you through your first home purchase and provide sincere, personal support during your unique circumstances. It's wonderful she was able to find multiple bank options and help you feel confident. We truly appreciate your recommendation to friends and family and wish you all the best in your new home. Your feedback is appreciated. Crew Financial
Kate B.
I was recommended Brett Jeffery from a friend and I couldn’t recommend him more; he created a stellar experience for me in my property purchase. His communication was detailed, prompt and simple to understand and he made the whole process of buying property completely easy. Would recommend him to everyone I know who is looking for a mortgage broker.
Response from the owner:Thank you so much for the kind words, Kate — we’re thrilled Brett made your property purchase smooth and easy. We appreciate your recommendation and are glad his clear, prompt communication made the process simple for you. We look forward to helping any friends or family you send our way in the future. Your feedback is appreciated. Crew Financial
beryl W.
Best brokers for aircrew, hands down!
Rick and the team were lighting fast in assessing my case and facilitating a loan approval interstate. Rick’s ability to translate our notoriously complex payslip and allowances system to banks is invaluable to securing a loan.
Elisha was always available to promptly answer any question throughout the process.
My real estate agent even commented she had never seen a loan approval letter coming in so fast in a settlement in all her years. Took just 2 days!
Thank you Crew Financial!
Response from the owner:Thank you so much for this fantastic review, Beryl. We’re thrilled Rick and the team could move so quickly and that his explanation of your payslip and allowances helped secure the interstate loan in just two days. I’ll pass your kind words on to Rick and Elisha — they’ll be delighted. We appreciate the recommendation and are here whenever you or your colleagues need assistance again. Your feedback is appreciated. Crew Financial
Andrew H.
Excellent Broker, they were able to get us a loan at a difficult time and we successfully purchased the Property we wanted. I have now also successfully done a refinance with Crew Financial and my service was again excellent!
Corey P.
Adoni at Crew Financial has once again delivered outstanding results for us. This was our second complicated home loan with him, involving tricky income structures and higher borrowing needs, and he handled everything with the same expertise, patience, and professionalism as the first time.
He took the time to deeply understand our situation, fought hard to maximise our borrowing capacity (more than any other lender could offer), and secured an excellent rate with a smooth, stress-free process from start to finish. Communication was always prompt, clear, and reassuring.
If you’re dealing with anything but a straightforward loan, Adoni is the broker you want in your corner. Highly, highly recommend – we won’t go anywhere else! Thank you, Adoni and the Crew Financial team! 🚀
Response from the owner:Thank you, Corey, for the fantastic review and for trusting Adoni and the Crew Financial team with another complex home loan. We’re thrilled Adoni’s expertise, persistence, and clear communication secured the borrowing capacity and rate you needed while keeping the process smooth and stress-free. Your recommendation means a lot, and we look forward to supporting you again whenever you need us. Your feedback is appreciated. Crew Financial
Derek H.
Jeremy and the team at Crew Financial have demonstrated exemplary professionalism and service well above what is expected. Their contacts in various related fields allow for comprehensive advice in more complex scenarios such as mine. I cannot speak highly enough of Crew Financial, and actively recommend them to anyone in need of property acquisition services.
Response from the owner:Thank you so much for your kind words, Derek! We are pleased to hear that you were satisfied with our service and professionalism. It's our goal to provide comprehensive advice for complex scenarios. Your positive recommendation is highly appreciated.
Miguel S.
Thanks again to the amazing team at crew financial. Matt and Jodie went out of their way to get my loan sorted before the Xmas break.
Absolutely no hesitation recommending crew financial.
Response from the owner:Thank you for your amazing feedback, Miguel! We're thrilled to hear that you've had consistent positive experiences with our team and that Matt has been particularly helpful. Your support and recommendations mean a lot to us. We look forward to assisting you again in the future! Your feedback is appreciated. Crew Financial
Maxine P.
We had an excellent experience working with this finance company to secure our home loan approval. Their service was consistently professional and accommodating, taking the time to explore different options with us as our living circumstances changed.

What stood out most was their thoughtful and understanding approach. They were honest, transparent, and always willing to provide clear information — even going above and beyond when we had lots of questions to ensure we fully understood the process. They also offered practical tips and suggestions when it came to making an offer, which gave us added confidence during a stressful and competitive time.

Importantly, they were flexible and willing to meet and talk with us both during and outside of standard business hours, ensuring our needs were always supported. Their ability to move quickly and secure a loan with great terms made all the difference in a fast-paced property market. We felt supported every step of the way and truly valued their open communication and genuine care.

We would highly recommend them to anyone looking for loan approval, especially if you want a team that is responsive, trustworthy, and capable of executing swiftly to help you secure the right property.
Response from the owner:Thank you for your wonderful feedback, Maxine! We're thrilled to hear that you had such a positive experience with our team during the home loan process. Our goal is to provide personalized support and clear communication, so it's great to know that we were able to meet your needs. We appreciate your recommendation and look forward to helping more clients achieve their homeownership dreams. Your kind words inspire us to continue delivering exceptional service! Your feedback is appreciated. Crew Financial
Nicole S
My family has used Crew Financial’s brokerage services three times in the last couple of years. Matt and Jodie are simply outstanding. Their professional knowledge skills and abilities are first class while retaining a personal and friendly approach. We have had excellent results on each occasion. I highly recommend their services.
Response from the owner:Thank you so much for your kind words, Nicole! We truly appreciate your trust in our services and are thrilled to hear about your positive experiences with Matt and Jodie. Delivering professional and friendly service is our priority, and it's rewarding to know we’ve met your expectations. Your recommendation means a lot to us, and we look forward to assisting your family with any future needs. Your feedback is appreciated. Crew Financial
Jack
The team at Crew Financial have been fantastic. From helping us with prospective properties to finalising our pre approval in a very timely manner, I cannot fault their service and motivation to get people what they are looking for. Looking forward to continuing to use their services well into the future.
Response from the owner:Thank you for your wonderful feedback, Jack! We are thrilled to hear that you had a fantastic experience with our team. Your satisfaction and trust mean a lot to us, and we are excited to assist you in your future financial endeavors. Please don't hesitate to reach out anytime you need support. Your feedback is appreciated. Crew Financial
bob
Dealing with Matt (and the team at Crew Financial) has been one of the most beneficial and de-stressing experiences of my financial life. Having purchased six properties in my life, I'm actually relieved to have refinanced (during COVID) and now restructured for an investment, with Crew Financial. Matt saved me over 1.2% when my 25 year lender, wouldn't give me their 'best rate' (due to being an 'existing customer '). A very good outcome given my income was a fifth (yep 20%!) of what it was before the COVID stand down. Matt's understanding of the intricacies of financial matters, has helped me to structure and invest late in my career, without reservation or anxiety. I recommend Matt and Crew Financial, unreservadly. David Foreman
Response from the owner:Thank you for your fantastic review, David! We're thrilled to hear that you had such a positive experience with Matt and the Crew Financial team. It’s great to know that we could help you save significantly while providing support during a challenging time. Your recommendation means a lot to us and we look forward to continuing to assist you with your financial journey. Your feedback is appreciated. Crew Financial
Paris A.
Rick at Crew Financial does incredible work, highly knowledgeable, professional and makes us feel supported every step of the way! We cannot thank him enough for all of his guidance and support!
Response from the owner:Thank you for your wonderful review, Paris! We're thrilled to hear that Rick provided you with exceptional service and support. Your satisfaction is our priority, and we appreciate your kind words. We look forward to assisting you again in the future! Your feedback is appreciated. Crew Financial
Channon K.
Our best experience purchasing a new home yet! Brett and the team were thorough and kept us in the loop every step of the way.
Highly recommend
Response from the owner:Thank you for your fantastic feedback! We're thrilled to hear that Brett and the team provided you with such a positive experience while buying your new home. Keeping our clients informed is a top priority for us. We appreciate your recommendation and wish you all the best in your new home! Your feedback is appreciated. Crew Financial
Channon K.
Brett and the team from Crew Financial were great to work with. They helped us through our unique situation of owning a new business and made the process easy and seamless. We would definitely use them again.
Response from the owner:Thank you for your wonderful feedback, Channon! We're thrilled to hear that Brett and the Crew Financial team were able to assist you with your unique situation. Making the process as easy and seamless as possible is our priority. We look forward to working with you again in the future! Your feedback is appreciated. Crew Financial
Amanda G.
We would like to extend a heartfelt thank you for the exceptional support and professional service provided during our home loan process. From start to finish, we felt fully informed every step of the way. Crew Financial were knowledgeable and responsive, making what could have been a complicated journey smooth and straightforward. Thank you for your outstanding assistance!
Response from the owner:Thank you so much for your kind words, Amanda! We're thrilled to hear that our team was able to provide you with exceptional support during your home loan process. It’s our goal to keep our clients informed and make the experience as smooth as possible. Your feedback means a lot to us, and we're grateful for the opportunity to assist you. We wish you all the best in your new home! Your feedback is appreciated. Crew Financial
Helena B.
the crew have been extremely patient, yet extremely professional , and I thank Rick , Jodie and team by for their support and great care in acquiring a good deal for my new home ! Great tram if hard workers
Response from the owner:Thank you for your wonderful feedback, Helena! We're thrilled to hear that Rick, Jodie, and the rest of the team provided you with the patient and professional support you needed. Delivering the best possible experience for our clients is our top priority, and it’s fantastic to know that you felt cared for throughout the process. Enjoy your new home! Your feedback is appreciated. Crew Financial
Christina I.
I recently refinanced my home loan with the help of Adoni and I couldn’t be happier with the experience. From the very first consult, he took the time to truly understand my financial goals and walked me through every step of the process with patience and clarity.

What really stood out was his professionalism, deep knowledge of the mortgage market, and commitment to finding me the best possible rate. Adoni kept me informed at every stage, promptly answered all my questions, and made what could have been a stressful process feel smooth and effortless.

Thanks to him I was able to secure a significantly better rate and reduce my monthly payments. I genuinely felt like I was in capable, trustworthy hands from start to finish.

I highly recommend Adoni and Crew Financial to anyone considering refinancing or applying for a new loan. Exceptional service, honest advice, and real results — everything you could ask for in a financial professional!
Response from the owner:Thank you for your wonderful review, Christina! We're thrilled to hear about your positive experience with Adoni during your home loan refinance. His dedication to understanding clients' financial goals and providing exceptional service is exactly what we strive for. We're glad that you found the process smooth and that you secured a better rate. Your recommendation means a lot to us, and we appreciate your trust in Crew Financial! Your feedback is appreciated. Crew Financial
Troy B.
Seamless process with the customer at the forefront. James took the time to understand our circumstances and give the best market advice for us. His communication skills were excellent, and no task was an inconvenience throughout the whole process.

Highly Recommend and look forward to using James services in the future.
Response from the owner:Thank you for sharing your positive experience, Troy. We're thrilled to hear that James provided such exceptional service and support throughout your process. Your recommendation means a lot to us, and we look forward to assisting you again in the future. Your feedback is appreciated. Crew Financial
Ange S.
This is the 3rd time our family have worked with Brett from Crew Financial. Hopefully there will be many more times. Brett is an awesome human being that goes above and beyond to assist and obtain the best deal possible. Great communication, anytime, any day with great outcomes! Highly recommend!
Response from the owner:Thank you for sharing your detailed experience, Ange! We're thrilled to hear that Brett provided you with the support and expertise you needed during such a delicate time. Your recommendation means a lot to us, and we're glad we could help you successfully purchase your father's home. We appreciate your trust in Crew Financial and look forward to assisting you in the future! Your feedback is appreciated. Crew Financial
Adam T.
Matt and his team have been a breath of fresh air to deal with. They actively listened to our needs for the refinance and offered excellent products to manage and in fact exceed expectations
Response from the owner:Thank you for your fantastic feedback, Adam! We're thrilled to hear that Matt and the team were able to meet and exceed your expectations during the refinance process. Your satisfaction is our top priority, and it's great to know we achieved that for you. We appreciate your trust in us and look forward to working with you again in the future. Your feedback is appreciated. Crew Financial
Ryan C.
We’re incredibly grateful to Rick and Elisha for helping us secure our first home. From the very beginning, they were professional, knowledgeable, and genuinely supportive. Their advice was clear and reassuring, and they made the entire process feel smooth and manageable.

One of the standout moments was their recommendation of a building and pest inspector, which helped us identify key issues early and gave us peace of mind moving forward. It’s that kind of thoughtful, proactive support that made all the difference.
Thanks to their expertise and dedication, we felt confident every step of the way. We couldn’t have asked for better guidance or service.

Highly recommend them to anyone looking for trusted mortgage brokers!

Ryan and Mia
Response from the owner:Thank you so much for your kind words and for sharing your experience with Rick and Elisha. We're thrilled to hear that their professionalism and support made your home-buying journey smooth and manageable. It's great to know that their proactive approach, especially with the building and pest inspector recommendation, provided you with peace of mind. We appreciate your recommendation and wish you many happy moments in your new home! Your feedback is appreciated. Crew Financial
Brett C.
Did a great job helping me structure my investment loans … thanks again
Response from the owner:Thank you for your fantastic feedback! We're glad to hear that our team was able to assist you in structuring your investment loans effectively. Your satisfaction is our priority, and we appreciate your trust in us. If you have any other needs in the future, don't hesitate to reach out. Your feedback is appreciated. Crew Financial
Donna W.
Highly Recommend Melina and Carlo from Crew Financial!

Melina and Carlo were absolutely fantastic to deal with. Melina came highly recommended by a close friend and her knowledge and commitment to helping me navigate my home loan was clear from our first meeting. I felt supported the whole way through - nothing was ever too much trouble. I wouldn’t hesitate to recommend Melina and Carlo to anyone looking for a reliable, knowledgeable, and down-to-earth mortgage broker.
Response from the owner:Thank you so much for your wonderful feedback, Donna! We're thrilled to hear that Melina and Carlo provided you with the support and expertise you needed for your home loan. Their dedication to helping clients is truly commendable, and your recommendation means the world to us. We're glad you had a positive experience and appreciate you taking the time to share it! Your feedback is appreciated. Crew Financial
Nikki Y.
Thank you, as always we have received such wonderful service with such a personal approach and understanding of our specific financial needs. Thanks for being so responsive and for making the process so easy for us.
Response from the owner:We greatly appreciate your kind words and are thrilled to hear that you received wonderful service tailored to your financial needs. It's our goal to make the process as seamless as possible for you. Thank you for trusting us, and we look forward to continuing to serve you in the future. Your feedback is appreciated. Crew Financial
Aaron G.
Matt, Jodie and the team are awesome. Great communication, great support throughout the whole loan process. Five stars!!!!!
Response from the owner:Thank you for your fantastic review, Aaron! We're thrilled to hear that you had a great experience with Matt, Jodie, and the team. Your feedback on our communication and support means a lot to us. We appreciate your trust and look forward to assisting you again in the future. Your feedback is appreciated. Crew Financial
Richard Y.
Wow! Thank you Crew Financial ! Elisha worked through a few challenges and came up with a great solution for us. This is why we use the experts ( Again). First in Class every time!
Response from the owner:Thank you for the fantastic review, Richard! We’re glad to hear that Elisha was able to navigate through the challenges and provide you with an effective solution. Your trust in our expertise means the world to us. We appreciate your continued support and look forward to assisting you again in the future! Your feedback is appreciated. Crew Financial
J G
Very professional and helpful advice. A seamless process for setting up an investment loan
Response from the owner:Thank you for your kind words! We're glad to hear that you found our advice professional and helpful, and that the process for setting up your investment loan was seamless. Your satisfaction is our top priority, and we appreciate your trust in our services. If you need any further assistance, don't hesitate to reach out. Your feedback is appreciated. Crew Financial
D B
Pretty seamless process.
I had no time constraints so it seemed to step through a needed
Response from the owner:Thank you for your feedback! We're glad to hear that you found the process to be seamless. If you have any suggestions for improvement or if there's anything else we can do to enhance your experience, please let us know. We appreciate your support and look forward to serving you again! Your feedback is appreciated. Crew Financial
Grace S.
Was referred to Crew Financial to seek assistance in securing a mortgage for a first home purchase. Spoke to Jodie who very much went above and beyond to help us with our situation. She was more than happy to answer our questions and clear up any confusion we had even with knowing we had another application with another broker. I happily recommend Crew Financial and Jodie to anyone seeking help with a loan!
Gary K.
This is the second time I have asked Crewfinancial to arrange loans and again they have been outstanding. Not only do they react immediately and positively to problems from outside their control but proactively avoid problems eventuating. Their communications are excellent and the energy and effort are beyond description. They work into the night or on weekends, whatever is needed to help their clients. I cannot recommend this organisation highly enough. Thank you for all you did, I would only ever use CrewFinancial in the future.
Response from the owner:Thank you for your fantastic review, Gary! We greatly appreciate your continued trust in CrewFinancial for your loan arrangements. It's wonderful to hear that our team's dedication and proactive approach have made a positive impact on your experience. Your recommendation means a lot to us, and we're thrilled to have earned your loyalty. We look forward to assisting you again in the future! Your feedback is appreciated. Crew Financial
Joshua W.
I cannot recommend Brett at Crew Financial highly enough! From start to finish, he always goes above and beyond, putting in 110% to make sure we’re looked after. This is the second time we’ve worked with Brett, and the level of care, professionalism, and commitment he shows each time is outstanding. He makes the whole process stress-free, explains everything clearly, and ensures we’re always in the best possible position. Also a special mention to the Settlement Coordinator, Carlo, whose support and attention to detail made the process seamless. We’ll definitely be back for a third time when the need arises.
Response from the owner:Thank you for your glowing review, Joshua! We're thrilled to hear that Brett and Carlo provided you with excellent service and made your experience stress-free. Your appreciation of their professionalism and attention to detail truly means a lot to us. We look forward to assisting you again in the future! Thank you for choosing Crew Financial. Your feedback is appreciated. Crew Financial
L K.
Amazing service! I’m a sole trader and didn't have a full years worth of financials at the time and Brett still found smart workarounds to get me approved. When the financial year ticked over he was able to refinance and get me an even better rate! Super easy to deal with and always helpful. Highly recommend. Cheers Brett 👍🏽
Response from the owner:Thank you for your fantastic feedback! We're thrilled to hear that Brett was able to find solutions that worked for you and secure a better rate upon refinancing. Your recommendation means a lot to us, and we're glad you found the process easy and helpful. We look forward to supporting your future financial needs! Your feedback is appreciated. Crew Financial
Shane S.
Amazing work by Matt and the team. They handled our situation with ease and professionalism at every stage. Got us well above the result we had hoped for! Couldn’t recommend highly enough
Response from the owner:Thank you for your fantastic feedback, Shane! We're thrilled to hear that Matt and the team exceeded your expectations. Your recommendation means a lot to us. We're always here to help, and we look forward to assisting you again in the future. Your feedback is appreciated. Crew Financial
Glen H.
The crew financial team are top notch! They kept me well informed every step of the loan application and property purchasing process. Any questions were handled quickly and thoroughly. A relief to have such a team to guide you through a process few of us do often!
Response from the owner:Thank you for your wonderful review! We're thrilled to hear that our financial team was able to provide you with the support and guidance you needed throughout the loan application and property purchasing process. Your satisfaction is our priority, and we appreciate your trust in us. If you need anything else in the future, don't hesitate to reach out. Your feedback is appreciated. Crew Financial
Tom L.
Highly recommend Crew Financial.
Response from the owner:Thanks for the review Tom. We really do care about getting excellent results for our clients.
Nikki S.
Adoni from Crew Financial was instrumental in us being able to purchase our new property. He was able to secure us more borrowing capacity than any other lender, and was an absolute delight to deal with. He has been super responsive and never made us feel stupid ( I had MANY stupid questions!) or pressured. Very clear communication made the settlement process seamless and we will absolutely be recommending Crew Financial and Adoni to all our friends and family.
Response from the owner:Thank you so much for your wonderful feedback! We're thrilled to hear that Adoni was able to assist you in securing your new property and that his responsiveness and support made your experience enjoyable. We pride ourselves on clear communication and are delighted to know that you felt comfortable throughout the process. Your recommendations to friends and family mean the world to us. We look forward to working with you again in the future! Your feedback is appreciated. Crew Financial
Andrew P.
Great professional service, highly recommended.
Response from the owner:Thanks Andy, look forward to hearing how the build goes.
Adam L.
5 Star service!
Cannot fault!
Response from the owner:Thank you Adam for your fantastic feedback! We're thrilled to hear that you had a 5-star experience with us. Your feedback is appreciated. Crew Financial
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