Bridge financing for BC & Alberta home buyers (buy + sell timing gaps)

Close your purchase even when your sale closing is later.

A bridge loan is short-term financing that covers the gap when your purchase closes before your sale, using equity from the home you're selling. The key is getting the gatekeepers right: firm sale, firm purchase, and the exact date gap—so your closing stays clean.

30-minute call. Bring your purchase contract, your sale contract (firm), and both closing dates. If you have them: current mortgage statement + payout info.

Licensed Mortgage Agent (BC, AB) • Funded over $200M • 5-star Google rating

What I can Help With

Confirm if you actually need bridge financing
Sometimes you don't—if dates can be aligned or the gap is avoidable. We start by mapping the exact gap and your net proceeds.
Size the bridge amount properly
Bridge is usually sized to what you need to close (often the down payment/closing funds) based on expected net sale proceeds after payout and costs.
Build a clean Plan A / Plan B if timing shifts
Bridge costs are driven by days outstanding, so a delayed sale closing changes the math. We plan for the \"what if\" up front.

About Michael Browne

I help buyers in BC and Alberta keep purchase closings clean when timing gets messy—especially when you're buying and selling around the same time.

Bridge financing looks simple on paper, but it can go sideways when the documentation, net proceeds, or dates aren't nailed down early. My job is to remove those surprises and give you an executable plan.

What working with me looks like

You can start two ways, depending on how sure you are.

Option 1: Full review upfront

Best if the gap is tight, the sale has conditions, or you want maximum certainty. We confirm net proceeds, documentation, and lender requirements early so your closing stays calm.

Option 2: Start light, then go deeper

Best if you're early and just want to confirm feasibility. We start with dates + contracts + a quick proceeds check, then go deeper once the details are locked.

Closing dates don't line up?

Get a clear bridge plan (and a backup plan) before closing week.

If bridge is doable, we'll set it up cleanly. If it isn't, you'll know early—and we'll map the next best option so your purchase still closes.

Get My Options Or call 672-699-6459

Why this works

Bridge financing fails when people treat it like a simple add-on. In reality, lenders care most about three things:

Firm sale agreement (not just listed)
Firm purchase agreement with a closing date
A real closing-date gap that the bridge is covering

We also normalize the biggest surprise: bridge cost is driven by days outstanding, so a delayed sale closing can change the total cost—meaning you want a Plan B before you're under pressure.

Situations that often need proper translation:

Your sale is "sold" but still conditional—what that changes for bridge feasibility
Net proceeds vs "sale price" (payout and costs matter to the bridge amount)
Longer gaps (bridge is meant for short gaps, not long-term holding)
New-build purchases with timing uncertainty (extra planning required)
Wanting overlap time for moving/cleanup without forcing same-day closings

When the gatekeepers are checked early and the timeline is planned cleanly, bridge financing becomes straightforward.

Not sure where you stand? Let's get you clarity.

Book a 30-minute call and I'll tell you whether bridge financing is available, what it would likely look like, and the cleanest next step based on your two closing dates.

Get My Options Or call 672-699-6459

Past client case studies

Real buy/sell timelines—purchase closed cleanly, sale closed cleanly, no last-minute chaos.

Common questions about bridge financing

When do I need bridge financing?+

You usually need bridge financing when your purchase closing happens before your sale closing and there's a gap you need to cover.

Do I need a firm sale to qualify for a bridge loan?+

In many traditional lender setups, yes—bridge financing commonly requires a firm sale agreement, not just a listing.

What documents do I need to arrange bridge financing?+

Typically: your firm sale agreement, firm purchase agreement, closing dates, current mortgage details/payout info, and standard ID/income items depending on the lender.

How long can bridge financing last?+

Bridge financing is meant for short gaps. Many pages anchor terms as short and tied to the gap; some describe terms around up to ~6 months depending on lender and situation.

How is bridge-loan interest calculated and when is it repaid?+

Commonly, it's short-term and repaid when your sale closes—often with pricing driven by the time outstanding (the "gap days"), not a long-term amortization.

What if my sale closes later than expected?+

If the sale is delayed, costs rise with time outstanding and you may need a contingency plan. We build a Plan B early so you're not making decisions under pressure.

Can I get bridge financing if my sale is still conditional?+

Sometimes, but options can narrow and lender appetite varies. The cleanest path is to review the specific conditions and timeline early and plan around the realistic approval route.

What if my home hasn't sold yet?+

Then bridge may not be available in the usual way. We can look at alternatives (timing strategy, different financing structure, or other short-term options) based on your situation.

Is bridge financing always required when buying and selling?+

No. If dates can be aligned or the gap can be eliminated, you may not need bridge financing at all.

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Closing week is not the time to “figure out bridge.”

Get a clean bridge plan—and a backup plan—now.

Either we set up bridge financing cleanly, or we map the best alternative so your purchase closing stays predictable.

Or call 672-699-6459