Mortgage brokers in Norwest, helping the Hills District and Sydney
Free bridging loan estimate
Buying your next home before you sell? Work out your peak debt, the bridging interest while you own both homes and the loan you keep once your sale settles. Built for Sydney and NSW, and the maths works anywhere in Australia.
5.0 from 360+ Google reviews
Updated November 2026
5.0From 360+ Google reviews Read themSome of the banks and lenders we compare for you
Bridging finance calculator
Enter the home you are selling, the one you are buying and how long the sale might take. Every figure filled in is an example, including the rate.
Last updated: November 2026
Peak debt while you own both homes
$2,124,287
About 71% of both homes' value together
A simple model: one rate for the whole loan, interest on the whole peak debt for every month, no lender fees, valuations or capital gains tax. Stamp duty uses general NSW transfer duty with no concessions. Lenders set their own bridging terms, limits and rates, and assess the end debt against your income.
This is an estimate, not financial advice. Results are a guide only. Speak to a broker for accurate figures based on your situation.
Free, no obligation. Your numbers go with your enquiry.
5.0360+ Google reviews
Want the selling side line by line? The property selling costs calculator breaks down agent fees, marketing and the loan payout.
Quick answer
Add your current loan, the new home, stamp duty and buying costs to get your peak debt. Add the interest for the months until your sale settles. Take off what the sale brings in after selling costs, and what is left is your end debt: the home loan you keep.
The formula
Four numbers come out of the calculator. Each one answers a question a lender will ask you.
Your current loan, the new home, stamp duty and buying costs, less your own cash. Lenders look at it against both homes together.
Interest on the peak debt for each month until your sale settles. Added to the loan, or paid each month as interest only.
What you still owe once the sale money, after selling costs, pays the loan down. This is the home loan you keep.
The monthly principal and interest on the end debt over your term. Check the end debt fits your income with the borrowing power calculator.
Want the lender's numbers, not an estimate?
We check which lenders bridge for your timeline, how they value both homes and whether they capitalise the interest.
Free. No obligation and no credit check.
Reading your result
The calculator lands on one of three answers. Here is what each one tells you.
Your sale covers the new home, so any bridging loan is short and cleared at settlement. Common when downsizing.
The usual result when upsizing. The lender checks your income against the end debt with its own buffer.
When peak debt is a large share of both homes, fewer lenders will bridge. More cash, a lower price or another way to move may suit.
Why a lender's figure can differ
The calculator uses one rate, charges interest on the whole peak debt every month and leaves out lender fees and valuations. A lender values both homes itself, may set a more cautious sale price and works out interest daily. Each lender sets its own bridging limits.
5.0 from 360+ Google reviewsWorked examples
Three common moves, run through the same maths as the calculator at an example rate of 6.5%. These illustrate the estimate; they are not client figures or a rate quote.
Selling for $1,400,000 with $450,000 owing, buying at $1,600,000. The sale takes 6 months and the interest is capitalised.
The bridging interest adds to the end debt. Test 9 or 12 months too: each extra month adds more.
The same two homes, but the lender asks for interest-only repayments during the bridge.
A smaller end debt, but you need the monthly payment from income or savings while you own both homes.
Selling the family home for $1,600,000 with $150,000 owing, buying a $900,000 home. The sale settles in 4 months.
No end debt: the bridge is short and the sale clears it. Lenders still check you can carry the bridge itself.
Bridging loan repayments
On the upsizing example, capitalising adds $69,981 to the loan. Paying interest only costs $11,507 a month instead and leaves a smaller end debt.
| Added to the loan | Interest only | |
|---|---|---|
| Repayments while you own both | None on the bridge | Monthly interest |
| Loan balance during the bridge | Grows each month | Stays the same |
| End debt | Higher | Lower |
| Suits you if | Cash flow is tight while you hold two homes | Your income or savings can cover the payment |
Westpac capitalises the interest on its bridging loan; CommBank asks for interest-only payments (both checked November 2026). Other lenders vary.
Google reviews
Real Google reviews of RyRo Loan Centre, word for word.
5.0
From 360+ Google reviews
Varsha Mehra
2 years ago on Google
It was a wonderful experience dealing with Sumit Joshi and his team. Sumit was very informative, helpful, responsive and helped us purchase our new home. He was always available to answer any questions we have and really helped streamline the process for us. He guided us and being first home buyers we were completely amateurs and confused. Sumit explained things to us and made sure we understood them. Thank you.
Guru Prasadh
3 years ago on Google
Sumit has been my mortgage broker for over couple of years, and this time he and his team helped me to refinance my loan & they provided best possible advice with regard to rates and assisted in loan restructure as well. The paper work was easy to follow and without hassles. Sumit is always a very approachable person and someone who would be willing to walk the extra mile to provide additional insights. I would highly recommend his services for both new home buyers & investors.
Karl Gilbert
5 years ago on Google
When going thru the stress of purchasing a new home, it helps when you have friends that have gone thru the process. This is how I met Sumit, and the crew at RyRo Loan Centre. They made the whole process as painless and stress free as I could believe possible. Added to that, the fact that we needed the loan quickly approved before the Christmas break, Sumit and his team pulled out all the stops, to make sure we hit the time for settlement at the most difficult time of year. I wish to thank Sumit and his team for all their assistance, and the continual updates on rate information and advice.
Moving within the Hills? Our Norwest office plans bridging for owners from Castle Hill to Kellyville. Meet a mortgage broker in the Hills District before you make an offer.
What to do next
Selling costs, stamp duty and your borrowing power decide whether a bridging loan works. Read up on bridging finance or run the other tools.
Refinancing and equity
Refinancing and equity
Want the worked example in more detail? Read our bridging loan guide for Sydney upgraders, or book a free strategy call.
Free bridging check
We generally respond within an hour. Prefer to pick a time? Book your strategy call online.
Sumit Joshi JP
Principal broker, Credit Rep 446824
More videos from Sumit
“Sumit is an outstanding mortgage broker. He patiently worked through our application and got us an awesome result when many other brokers wouldn't assist as we are small business owners. Thank you!”
Sumit Joshi JP, Credit Rep 446824. AFG Award Winner 2013 to 2019 and AFG Excellence Awards finalist 2022 to 2026. Bridging estimates are a guide only, not an offer of credit. Each lender sets its own terms. Prefer to talk first? Book a free strategy call.
