Equity and bridging estimator
Usable equity in the home you own, and what a bridging period would cost.
Total equity
$680,000
Usable equity at 80% of value
$460,000
Lenders normally leave a 20% buffer in the property.
Peak debt while you hold both
$1,820,000
Interest during the bridge
$65,520
Often capitalised, so it is added to the debt.
End debt once the first home sells at that value
$785,520
Test this with a lower sale price too, so a slow sale does not catch you out.
Bridging terms vary a lot by lender, and a sale below your expectation increases the end debt. Figures correct as at September 2026. Always confirm current amounts and thresholds with the State Revenue Office Victoria or a licensed conveyancer before relying on them..
This information is general in nature and does not take into account your personal financial situation. It is not financial, credit, tax, or legal advice. Please consult a licensed financial adviser, mortgage broker, or conveyancer or solicitor before making any decisions.