{"id":16427,"date":"2025-06-30T17:12:20","date_gmt":"2025-06-30T07:12:20","guid":{"rendered":"https:\/\/brighten.com.au\/resources\/media-centre\/helping-brokers-bridge-gaps\/"},"modified":"2025-06-30T17:12:20","modified_gmt":"2025-06-30T07:12:20","slug":"helping-brokers-bridge-gaps","status":"publish","type":"media-centre","link":"https:\/\/brighten.com.au\/zh-hant\/media-centre\/helping-brokers-bridge-gaps\/","title":{"rendered":"Helping brokers bridge gaps"},"content":{"rendered":"\n

Publication Date: Monday, 30 June 2025
This article originally appeared in Austra<\/a>lian Broker<\/a><\/em>.<\/p>\n\n\n\n

<\/p>\n\n\n\n

YOU’VE SEEN <\/strong>this movie before.  <\/p>\n\n\n\n

Your customer has decided it\u2019s finally time to upsize \u2013 bigger property, better suburb. They\u2019ve started to prepare their current property for sale but aren\u2019t ready to put it in the shop window for prospective buyers just yet \u2013 the front needs a lick of paint, the garden needs landscaping and then there\u2019s the decluttering to sort out. <\/p>\n\n\n\n

They know where they want to buy and have started looking around in their suburb or town of choice. Suddenly, their dream home pops up on the listings. Great street, great area, great vibes. This is the one. <\/p>\n\n\n\n

But the auction is in a few weeks \u2026 there\u2019s no way they\u2019ll be ready to sell before then.  <\/p>\n\n\n\n

Enter their trusty broker armed with bridging finance. Rather than miss out on the property of their dreams, a short-term bridging loan can be a great way to buy first and sell later, with the comfort of knowing they\u2019ve already secured the new property. <\/p>\n\n\n\n

Bridging finance is an increasingly important tool in brokers\u2019 kitbags. With two rate cuts so far this year and more to come, 2025 looks to be the year short-term finance comes into its own.  <\/p>\n\n\n\n

Auction clearance rates are up; home values increased 0.5% in May 2025, driving CoreLogic\u2019s Home Value Index 1.7% higher over the first five months of the year;1<\/u><\/sup><\/a> and building approvals are down, with the total number of dwelling approvals dropping by 5.7% to 14,633 in April 2025.2<\/u><\/sup><\/a><\/p>\n\n\n\n

It all adds up to a tight housing market where attractive properties are more sought after than ever, fuelling demand for flexible finance options. <\/p>\n\n\n\n

\u201cIn an ideal world, no one would have to deal with the stress and worry that often come with buying and selling properties at the same time,\u201d says Jason Azzopardi, CEO of leading non-bank lender Brighten. <\/p>\n\n\n\n

Buy first, sell later <\/strong><\/p>\n\n\n\n

\u201cWe know the homebuying journey isn\u2019t always straightforward. More often now, buyers are finding their dream property before they\u2019ve even started looking seriously, and they want to move quickly. Others simply want to act fast to take advantage of favourable market conditions\u201d – JASON AZZOPARDI, BRIGHTEN<\/strong><\/p>\n\n\n\n

Connecting borrowers of all shapes and sizes <\/strong><\/p>\n\n\n\n

Whether your customers want to upsize, downsize, take advantage of the current market or avoid the hassle of finding a rental, Brighten Connect bridging loans provide the flexibility and support they need to achieve their property goals.<\/p>\n\n\n\n

With a maximum loan size of $5 million (and the ability to go higher on exception) plus an alternative income verification option, Brighten Connect reaches parts of the market underserviced by traditional lenders. <\/p>\n\n\n\n

Brighten \u201ccaters for borrowers of all shapes and sizes\u201d, says Azzopardi.  <\/p>\n\n\n\n

\u201cWe\u2019ve seen a wide range of situations where customers may need a bridging loan. For example, we\u2019ve helped young PAYG couples secure a larger home as they welcome a new baby, as well as business owners looking to purchase an investment property using alternative income verification.\u201d  <\/p>\n\n\n\n

Why choose Brighten Connect? <\/strong><\/p>\n\n\n\n

In addition to competitive interest rates, Brighten Connect features an interest-only repayment structure during the bridging period, which lasts a minimum of six and a maximum of 12 months; however, the interest budget is retained, meaning no repayments are required.  <\/p>\n\n\n\n

If there is no end debt, the borrower simply repays the bridging loan in full once their existing property is sold. <\/p>\n\n\n\n

If end debt is involved, a key advantage of the bridging loan is its seamless transition: once the existing property is sold and the bridging portion is repaid, the remaining loan automatically converts to a standard Brighten full-doc or alt-doc product \u2212 typically at a lower interest rate. <\/p>\n\n\n\n

Brighten Connect also offers competitive LVRs: up to 80% LVR on both end debt and peak debt up to $2 million, and up to 70% LVR for peak debt between $2 million and $5 million.  <\/p>\n\n\n\n

In terms of security, houses, apartments and townhouses located in category 1 and category 2 postcodes are accepted.  <\/p>\n\n\n\n

\u201cFast turnaround times, clear communication and strong broker support are all essential to broker confidence. We\u2019re focused on removing friction so brokers can act quickly with their clients\u201d – JASON AZZOPARDI, BRIGHTEN<\/strong><\/p>\n\n\n\n

Making it easy to say yes <\/strong><\/p>\n\n\n\n

In a competitive market for short-term finance, Azzopardi says Brighten\u2019s superior service proposition sets the firm apart from other lenders, offering brokers a smooth and responsive experience that helps them say yes to their customers. <\/p>\n\n\n\n

\u201cWe pride ourselves on being easy to deal with,\u201d says Azzopardi. \u201cWe know time is of the essence when it comes to bridging finance, which is why we\u2019ve recently streamlined our approval process to improve efficiency and reduce delays. <\/p>\n\n\n\n

\u201cFast turnaround times, clear communication and strong broker support are all essential to broker confidence. We\u2019re focused on removing friction so brokers can act quickly with their clients.\u201d <\/p>\n\n\n\n

Bridging loans are just another option in Brighten\u2019s suite of lending products, alongside full-doc, alt-doc, construction and vacant land, expat and non-resident, as well as commercial loans. <\/p>\n","protected":false},"excerpt":{"rendered":"

With competition rising in a hot property market, Brighten\u2019s bridging loans are empowering borrowers to buy first and secure their dream home before selling <\/p>\n","protected":false},"author":1,"featured_media":5640,"menu_order":0,"template":"","meta":{"_acf_changed":false},"categories":[35],"tags":[],"class_list":["post-16427","media-centre","type-media-centre","status-publish","has-post-thumbnail","hentry","category-media-centre-zh-hant"],"acf":[],"yoast_head":"\nHelping brokers bridge gaps | Brighten<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/brighten.com.au\/media-centre\/helping-brokers-bridge-gaps\/\" \/>\n<meta property=\"og:locale\" content=\"zh_TW\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Helping brokers bridge gaps | Brighten\" \/>\n<meta property=\"og:description\" content=\"With competition rising in a hot property market, Brighten\u2019s bridging loans are empowering borrowers to buy first and secure their dream home before selling\" \/>\n<meta property=\"og:url\" content=\"https:\/\/brighten.com.au\/media-centre\/helping-brokers-bridge-gaps\/\" \/>\n<meta property=\"og:site_name\" content=\"Brighten\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/BrightenAustralia\" \/>\n<meta property=\"og:image\" content=\"https:\/\/brighten.com.au\/wp-content\/uploads\/2021\/07\/thumb-australian-broker.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"620\" \/>\n\t<meta property=\"og:image:height\" content=\"413\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u9810\u4f30\u95b1\u8b80\u6642\u9593\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 \u5206\u9418\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/brighten.com.au\/media-centre\/helping-brokers-bridge-gaps\/\",\"url\":\"https:\/\/brighten.com.au\/media-centre\/helping-brokers-bridge-gaps\/\",\"name\":\"Helping brokers bridge gaps | Brighten\",\"isPartOf\":{\"@id\":\"https:\/\/brighten.com.au\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/brighten.com.au\/media-centre\/helping-brokers-bridge-gaps\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/brighten.com.au\/media-centre\/helping-brokers-bridge-gaps\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/brighten.com.au\/wp-content\/uploads\/2021\/07\/thumb-australian-broker.jpg\",\"datePublished\":\"2025-06-30T07:12:20+00:00\",\"dateModified\":\"2025-06-30T07:12:20+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/brighten.com.au\/media-centre\/helping-brokers-bridge-gaps\/#breadcrumb\"},\"inLanguage\":\"zh-TW\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/brighten.com.au\/media-centre\/helping-brokers-bridge-gaps\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"zh-TW\",\"@id\":\"https:\/\/brighten.com.au\/media-centre\/helping-brokers-bridge-gaps\/#primaryimage\",\"url\":\"https:\/\/brighten.com.au\/wp-content\/uploads\/2021\/07\/thumb-australian-broker.jpg\",\"contentUrl\":\"https:\/\/brighten.com.au\/wp-content\/uploads\/2021\/07\/thumb-australian-broker.jpg\",\"width\":620,\"height\":413,\"caption\":\"Australian Broker Logo\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/brighten.com.au\/media-centre\/helping-brokers-bridge-gaps\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Media Centre Items\",\"item\":\"https:\/\/brighten.com.au\/media-centre\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Helping brokers bridge gaps\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/brighten.com.au\/#website\",\"url\":\"https:\/\/brighten.com.au\/\",\"name\":\"Brighten\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/brighten.com.au\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/brighten.com.au\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"zh-TW\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/brighten.com.au\/#organization\",\"name\":\"Brighten Australia\",\"url\":\"https:\/\/brighten.com.au\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"zh-TW\",\"@id\":\"https:\/\/brighten.com.au\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/brighten.com.au\/wp-content\/uploads\/2020\/09\/thumb-brighten.jpg\",\"contentUrl\":\"https:\/\/brighten.com.au\/wp-content\/uploads\/2020\/09\/thumb-brighten.jpg\",\"width\":620,\"height\":413,\"caption\":\"Brighten Australia\"},\"image\":{\"@id\":\"https:\/\/brighten.com.au\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/BrightenAustralia\",\"https:\/\/www.instagram.com\/brightenaustralia\/\",\"https:\/\/linkedin.com\/company\/brightenaustralia\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Helping brokers bridge gaps | Brighten","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/brighten.com.au\/media-centre\/helping-brokers-bridge-gaps\/","og_locale":"zh_TW","og_type":"article","og_title":"Helping brokers bridge gaps | Brighten","og_description":"With competition rising in a hot property market, Brighten\u2019s bridging loans are empowering borrowers to buy first and secure their dream home before selling","og_url":"https:\/\/brighten.com.au\/media-centre\/helping-brokers-bridge-gaps\/","og_site_name":"Brighten","article_publisher":"https:\/\/www.facebook.com\/BrightenAustralia","og_image":[{"width":620,"height":413,"url":"https:\/\/brighten.com.au\/wp-content\/uploads\/2021\/07\/thumb-australian-broker.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"\u9810\u4f30\u95b1\u8b80\u6642\u9593":"4 \u5206\u9418"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/brighten.com.au\/media-centre\/helping-brokers-bridge-gaps\/","url":"https:\/\/brighten.com.au\/media-centre\/helping-brokers-bridge-gaps\/","name":"Helping brokers bridge gaps | Brighten","isPartOf":{"@id":"https:\/\/brighten.com.au\/#website"},"primaryImageOfPage":{"@id":"https:\/\/brighten.com.au\/media-centre\/helping-brokers-bridge-gaps\/#primaryimage"},"image":{"@id":"https:\/\/brighten.com.au\/media-centre\/helping-brokers-bridge-gaps\/#primaryimage"},"thumbnailUrl":"https:\/\/brighten.com.au\/wp-content\/uploads\/2021\/07\/thumb-australian-broker.jpg","datePublished":"2025-06-30T07:12:20+00:00","dateModified":"2025-06-30T07:12:20+00:00","breadcrumb":{"@id":"https:\/\/brighten.com.au\/media-centre\/helping-brokers-bridge-gaps\/#breadcrumb"},"inLanguage":"zh-TW","potentialAction":[{"@type":"ReadAction","target":["https:\/\/brighten.com.au\/media-centre\/helping-brokers-bridge-gaps\/"]}]},{"@type":"ImageObject","inLanguage":"zh-TW","@id":"https:\/\/brighten.com.au\/media-centre\/helping-brokers-bridge-gaps\/#primaryimage","url":"https:\/\/brighten.com.au\/wp-content\/uploads\/2021\/07\/thumb-australian-broker.jpg","contentUrl":"https:\/\/brighten.com.au\/wp-content\/uploads\/2021\/07\/thumb-australian-broker.jpg","width":620,"height":413,"caption":"Australian Broker Logo"},{"@type":"BreadcrumbList","@id":"https:\/\/brighten.com.au\/media-centre\/helping-brokers-bridge-gaps\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Media Centre Items","item":"https:\/\/brighten.com.au\/media-centre\/"},{"@type":"ListItem","position":2,"name":"Helping brokers bridge gaps"}]},{"@type":"WebSite","@id":"https:\/\/brighten.com.au\/#website","url":"https:\/\/brighten.com.au\/","name":"Brighten","description":"","publisher":{"@id":"https:\/\/brighten.com.au\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/brighten.com.au\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"zh-TW"},{"@type":"Organization","@id":"https:\/\/brighten.com.au\/#organization","name":"Brighten Australia","url":"https:\/\/brighten.com.au\/","logo":{"@type":"ImageObject","inLanguage":"zh-TW","@id":"https:\/\/brighten.com.au\/#\/schema\/logo\/image\/","url":"https:\/\/brighten.com.au\/wp-content\/uploads\/2020\/09\/thumb-brighten.jpg","contentUrl":"https:\/\/brighten.com.au\/wp-content\/uploads\/2020\/09\/thumb-brighten.jpg","width":620,"height":413,"caption":"Brighten Australia"},"image":{"@id":"https:\/\/brighten.com.au\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/BrightenAustralia","https:\/\/www.instagram.com\/brightenaustralia\/","https:\/\/linkedin.com\/company\/brightenaustralia"]}]}},"_links":{"self":[{"href":"https:\/\/brighten.com.au\/zh-hant\/wp-json\/wp\/v2\/media-centre\/16427","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/brighten.com.au\/zh-hant\/wp-json\/wp\/v2\/media-centre"}],"about":[{"href":"https:\/\/brighten.com.au\/zh-hant\/wp-json\/wp\/v2\/types\/media-centre"}],"author":[{"embeddable":true,"href":"https:\/\/brighten.com.au\/zh-hant\/wp-json\/wp\/v2\/users\/1"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/brighten.com.au\/zh-hant\/wp-json\/wp\/v2\/media\/5640"}],"wp:attachment":[{"href":"https:\/\/brighten.com.au\/zh-hant\/wp-json\/wp\/v2\/media?parent=16427"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/brighten.com.au\/zh-hant\/wp-json\/wp\/v2\/categories?post=16427"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/brighten.com.au\/zh-hant\/wp-json\/wp\/v2\/tags?post=16427"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}