Your next home
Upgrading to your next home without the juggling act
Selling and buying at the same time is where most of the stress sits. We help you plan the order, the timing and the loan, including bridging finance if you need to buy first.
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Who this suits
- You're selling one home and buying another
- You'd like to keep your current home as an investment
- You've found the next place before selling
- Your family is growing and your loan needs to grow with it
How it works
- Map out the moveWe work out your equity, your costs on both sides and a realistic budget for the next place.
- Choose the orderSell first, buy first with bridging finance, or keep and rent. We run the numbers on each.
- Pre-approval for the next placeSo you can make offers knowing where you stand.
- Settle both sidesWe coordinate the loans, the lenders and your conveyancer so the settlements line up.
Things worth knowing
Keeping your current home changes the structure
If your current home may become an investment, how you set up the new loan matters later. We'll flag the options and suggest you check the tax side with your accountant before you sign.
Bridging finance has a time limit
Bridging loans give you a window to sell, often 6 to 12 months depending on the lender. We test what happens if your sale takes longer than you expect.
Moving your loan isn't always the cheapest option
Some lenders let you carry your loan to the new property. It's worth comparing against a new loan, especially if your rate hasn't been reviewed lately.
Documents you'll usually need
- Photo ID
- Your two latest payslips
- Three months of bank statements
- Six months of statements for your current home loan
- The sale contract or an agent's appraisal for your current home
- A rental appraisal, if you're keeping it
We'll confirm exactly what your lender needs, so you don't gather anything twice.
Calculators for this
Questions
What is bridging finance?
A short-term loan that lets you buy your next home before you've sold your current one. Interest is often added to the loan during the bridging period, and the loan is cleared when your sale settles.
Should I sell first or buy first?
Selling first gives you certainty about your budget. Buying first secures the home you want. The right answer depends on the market, your equity and how much risk you're comfortable with, and we'll talk through both.
Can I keep my current home and rent it out?
Often, yes, if your income and the rent support both loans. We'll run the numbers with you.
General information only. It doesn't consider your objectives, financial situation or needs. Lending criteria, fees and charges apply.
Ready when you are.
Book a 20-minute call. We'll listen first, explain your options in plain English, and tell you what we'd do next.