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Bridge the gap to your next home

What is a bridging loan?

When you’re buying a new home before your current one sells, timing can be tricky. That’s where nextBlue comes in handy. A simple, flexible bridging loan designed to help you move forward with confidence.

A bridging loan is a short-term home loan that helps cover the gap between buying a new property and selling your existing one. It gives you the funds you need to purchase your next home without waiting for the sale of your current one to settle.

With nextBlue, you can:

  • Buy before you sell
  • Avoid rushed decisions or short-term rentals
  • Access competitive rates and straightforward terms
Book an appointment

nextBlue Variable

7.09% p.a.^

variable owner occupied
<80% LVR

7.18% p.a.^^

comparison rate

Get the low down on nextBlue features

Our nextBlue bridging loan gives you everything you need to buy your next home with confidence. Competitive rates and flexible features are just the beginning.

Browse features

nextBlue bridging loan

$1,250 establishment fee1
Variable rate
Max 12-month term2
Flexible repayment options – choose capitalised and deferred or monthly interest-only repayments3
Additional repayments allowed at any time
80% maximum loan-to-value ratio (includes all capitalised interest and establishment fee)4

Why nextBlue?

nextBlue offers a simple, flexible way to buy your next home before selling your current one. With competitive rates and clear terms, it’s designed to help you move forward with confidence. Choose how you repay: defer costs until sale or pay interest monthly—nextBlue keeps it manageable either way.

Is nextBlue right for you?

nextBlue is ideal if you: are ready to upgrade, downsize or relocate, want to buy before selling your current property, prefer to manage your banking online or value a simple, competitive loan solution without unnecessary extras.

The next step is easy

Getting started with nextBlue is straightforward. Our team is here to guide you through the process and answer any questions along the way. Whether you’re ready to move or just exploring your options, we’re here to help. Book an appointment today. Book a lending appointment


Owner occupier

LoanAnnual percentage rate Comparison rate (p.a.)
nextBlue Variable Rate <80% LVR7.09%7.18%^^

Get the ball rolling

Every great relationship needs someone to make the first move. There are two ways you can get the ball rolling with us and make an application – we can’t wait to hear from you.

Give us a bell

8am to 5:45pm on weekdays and 9:30am to 12pm on Saturdays.

Call us

Book an appointment

To learn more or apply, simply visit your nearest Hume Bank branch.

Book it in

Crunch the numbers

The best decisions are informed decisions. Understand your borrowing power and repayment options by using our handy online tools and calculators.

Borrowing power

How much can I borrow?

Loan repayments

What would my repayments be?

Split loan

What are my loan options?

Stamp duty

How much stamp duty will I pay?

Things you should know

Rates, fees and charges and other information correct as at 14 August 2025 and may change without notice.

Terms, conditions, fees, charges and lending criteria apply.

Please read the Product Disclosure Statement and Fees & Charges and consider whether this product is right for you. Also available in branch or at 1300 004 863.

To view the Target Market Determination for this product, go to Target Market Determinations.

Download a copy of our Owner occupier home loan rates and/or our Investor home loan rates.

Access our Home Loan Key Facts Sheet. Download our Application Checklist to help make the application process as smooth as possible.

^ Interest rate is only available to owner-occupied nextBlue bridging loans only. Variable rate available across all Loan to Value Ratio (LVR) up to 80%.

^^ Comparison rate based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

1 Establishment fee of $1,250 covers the one-off costs of setting up the bridging loan, including valuations, legal and settlement services, and administration. This fee is capitalised to the loan balance in all cases.

2 Bridging loans are available as a maximum 12-month facility. Extensions require full reassessment, new documentation, and a repeat establishment fee.

3 Customers may choose either monthly interest-only repayments or to capitalise interest and repay in full at the end of term. Extensions require full reassessment, new documentation and a repeat establishment fee.

4 The 80% LVR cap includes all capitalised interest and the establishment fee.