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Semper Bridging Loan

Property-secured bridging loan of $500K or more for businesses, as a first or second mortgage, repaid from a sale or refinance, for up to 12 months.

Specialist & Private FinanceNon-Cashflow / Asset-Backed Finance
From lender's website, 26 Sept 2026
Amount
From $500K
Term
Up to 1 yr
Rate
From 8.50% p.a.
Security
Property-secured
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Product details

As published by Semper. Details not published by the lender are marked.

Loan amount
From $500K
Rate
From 8.50% p.a.First mortgage from 8.50% p.a.; second mortgage from 12% p.a. Semper 'Price Guide by LVR' on its Terms and Fees page, "First Mortgage Prices From:": 8.50% pa at 50% LVR, 8.75% pa at 60% LVR, 9.05% pa at 65% LVR, from 10.75% up to 75% LVR; "Second mortgages from 12% pa". No as-at date is printed on the page (page metadata last modified 4 May 2026); figures as displayed on 2026-09-26. The price guide is lender-wide, not split by product, and does not itself say fixed or variable (rate type is from the Products page). Interest "Monthly in advance via Direct Debit, or prepaid / capitalised for +0.50% loading". Final pricing is set in the letter of offer.
Rate type
Fixed for term
Term
Up to 1 yr
Security
Property-secured
Structure
Bridging loan
Fees
Establishment fee of 0.825% to 2.2% · Application fee of $750 to $1,500 plus GST, paid upfront · Valuation fee at cost · Legal fee at cost
Repayment frequency
Monthly
Early repayment
If interest is paid monthly, no penalty for repaying early after the documented minimum loan term; if interest is prepaid, generally no financial benefit in repaying early
Time trading
Not published
Turnover
Not published
Documents
Photo ID of all applicants, rates and water rates notices for each property, ATO portal for each company, trust and guarantor, trust deeds, and bank statements for servicing accounts and existing mortgages
Guarantees
Full Doc and Low Doc: senior GSA over the borrowing entity and guarantees from associated companies, directors and shareholders; Light Touch: negotiable
Funding time
Application usually considered within 3 days of receiving the valuation report
Restrictions
Loans to businesses (commercial borrowers) secured by real property; offer conditional on the borrower being a company, trust or partnership registered for GST; specialist sites not considered
How to apply
Direct with the lender, or through us
Suitable purposes
Something else

More from Semper

Commercial Term Loan

Short-term commercial loan of $500K or more for businesses, secured by a first or second mortgage over real property, with terms of 3 months or more.

Amount
From $500K
Term
From 3 mths
Security
Property-secured
Rate
From 8.50% p.a.
Repayments
Monthly
Trading
Not published
From lender's website, 26 Sept 2026
Details for Semper Commercial Term Loan

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