Peyper Capital is a bridging company that provide bridging capital in property transactions to the sellers, purchasers and estate agents. We strive to make these property transactions as hassle free as possible for our sellers, purchasers and estate agents.

What is bridge financing?


A short-term borrowing facility is offered through bridging loan financing that is secured by real estate and can be applied for a wide range of purposes. Bridging financing is frequently used to enable buyers to acquire a new property before they have sold their existing property. Furthermore, it is frequently utilized to finance construction projects and improvements before a conventional mortgage are obtained or the property is sold in hopes of appreciating it.


By using the equity in the home, you are selling as a deposit on the home you are buying, bridging finance can be used to close the gap between buying a new home and selling your existing one. Additionally, you may use the property you are buying or other real estate you own to finance up to 80% of the purchase price. When there is sufficient equity available, we will also take into account further borrowing for a number of purposes, including renovating your new house.

Advantages of bridge financing?

Speed of Decision and Delivery of Funds

Focusing on the asset rather than the applicant makes the loan process quick. The main reason for this speed is that the underwriting process is centred on the security rather than lender status and many of the issues that have to be satisfied for status lending can almost be ignored.


In many instances, the borrower is unable to get any other form of finance for their specific requirement other than a bridging loan. Properties that are not mortgage-able may only be able to be used as security with a bridging loan.


Linked to the above reason, certain projects where the security is dilapidated or part built (although still with a recognized value) may be used as security with bridging finance when clearly a conventional Mortgage lender would not accept the same.


Advances to Seller

The seller may apply for these advances to obtain proceeds in the property transaction.

Advances to Estate Agents

Estate agents may apply for bridging finance to obtain an advance on their estate commission.

Advances for clearance Figures

These advances may be utilized to obtain a clearance certificate from the local municipality. This certificate must be obtained prior to the date of registration of the property.

Advances for Transfer cost/duty

Purchasers may apply for advances for transfer cost/duty where permitted.

Contact Us

14 + 5 =

Frequently asked question




What exactly is bridging finance?

A bridging loan is a short term loan, typically with a term of between one and six months, designed to bridge a gap when funding is needed quickly and for a short period of time. Funding can usually be arranged within days and can be used for a variety of purposes until further funding becomes available, usually through resale or finance. A bridging loan and a mortgage are similar in underwriting and legal processes and the requirement of a second charge secured against a property; however, a bridging loan is typically completed in ten days.

How does bridging finance differ to a mortgage?

The method of repayment is the primary distinction between a bridging loan and a mortgage. In most cases, bridging loans are repaid within six months through financing, the sale of real estate, or other methods. Bridging products, in contrast to mortgage financing, are not meant for long-term use.

Will I need a valuation?

Yes, the property or properties you are using as collateral will need to be valued.

Will I need an attorney?

Yes, you will need representation from an attorney who will consult with our offices during the bridging loan process. You can typically make use of the conveyancer who oversees your property transfer.