Guide
Bridging finance in Malaysia — short window, first charge, clear exit.
Bridging is short-term secured finance on a first legal charge, typically 50–70% LTV, priced from 12% p.a. indicative. You need a dated exit — and no income proof on this asset-backed desk.
Use
When bridging fits in Malaysia
Owners and investors use bridges when time beats bank calendars: renovation before refinance, business liquidity with a titled asset, or holding until sale completes.
Product page: bridging finance. Fixed SPA dates → SPA deadline.
Terms
Indicative numbers (not a quote)
- From 12% p.a. indicative
- Typically 50–70% LTV of assessed value
- First charge only
- No income documents required
- Exit plan mandatory
Illustrative case: Penang terrace — renovate then bank.
Exit
What funders need to see
Bank refinance LO, signed sale SPA, or a cash settlement date — without that, bridging usually does not fit. Compare with bridging vs bank refinance.
FAQ
Common questions
How is bridging different from a housing loan?
Bridging is short-term, priced from 12% p.a. indicative, with a mandatory exit — not a 30-year mortgage.
LTV on bridging?
Typically 50–70% of assessed market value.
Income documents?
Not required on this property-backed path.
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First charge · from 12% p.a. · typically 50–70% LTV · no income documents required for this path.