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Bridging Finance for Non-NCCP Borrowers: Fast, Flexible Property Funding

  • Assurity Capital
  • Aug 5
  • 2 min read

Bridging finance is a powerful tool for property investors, developers, and business borrowers who need fast access to capital between transactions. Unlike traditional lenders, Assurity Capital offers flexible, non-NCCP bridging loans secured by real estate — allowing borrowers to seize opportunities without being slowed down by rigid bank requirements.


Bridge

What Is Bridging Finance?

Bridging finance is a short-term loan designed to cover a gap between:


  • Buying a new property and selling an existing one

  • Finalising long-term finance

  • Completing a project or DA before refinancing


These loans are typically secured by real property and are repaid through a clear exit strategy such as a sale, refinance, or asset drawdown.


Non-NCCP Bridging Loans Explained

Non-NCCP (National Consumer Credit Protection Act) loans are:

  • Provided to companies, trusts, or individuals borrowing for business or investment purposes

  • Not regulated by consumer lending laws

  • Ideal for borrowers who need speed and flexibility without the red tape of retail credit assessments


At Assurity Capital, all our bridging loans are non-NCCP — meaning faster approvals, simplified documentation, and commercial lending terms.


When to Use Bridging Finance

Our bridging loans are commonly used for:

  • Purchasing property prior to sale of another

  • Settling quickly on commercial or residential investment properties

  • Funding the final stages of a development or renovation

  • Covering shortfalls in settlement or refinance

  • Providing interim capital while waiting for DA approval or planning outcomes


Real-World Examples

  • A property developer needing $1.2 million to secure a commercial site while waiting on a DA approval for a neighbouring parcel.

  • A trust borrowing $700,000 to settle on an investment property before a pending refinance was finalised.

  • A company requiring $450,000 to complete a build and exit with a construction loan from a major lender.


In each case, the borrower needed speed, certainty, and a lender that understands commercial lending — and that’s exactly what we deliver.


Key Features of Our Bridging Loans

  • Loan amounts from $50,000+

  • First and second mortgages

  • Terms from 3 to 12 months

  • Fast approvals — indicative terms within 24 hours

  • Settlements in as little as 3–5 days

  • Security over residential, commercial, or vacant land

  • Business, investment, or development purposes only


Why Work With Assurity Capital?

We’re a private lender who understands the importance of timing and commercial reality. Our team works closely with brokers, borrowers, and solicitors to ensure smooth execution from scenario to settlement.


We are non-bank, non-NCCP, and non-traditional — but always professional, ethical, and solutions-focused. Contact us

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