Buying your next home in Australia.
When it's time for a bigger, better, or different home — getting current on the market and your options ensures a smooth transition.
Upgrading or downsizing.
Moving to your next home involves either selling first, buying first, or doing both simultaneously — each with its own strategy.
Value your home
Get an appraisal to understand your equity position.
Bridge or sequence?
Decide whether to sell before buying or use bridging finance.
Review your loan
Assess your existing mortgage — break costs, portability.
New pre-approval
Secure conditional approval for your next purchase.
Coordinate settlement
Align sale and purchase dates to minimise stress.
Making the move with confidence.
Moving up or across the property market requires careful co-ordination of your sale, purchase, and financing — ideally with a broker who can see the whole picture.
- Use your existing equity to reduce the deposit required on your next home
- Bridging finance lets you buy before you sell — understand the costs and risks
- Check whether your current mortgage is portable to avoid exit fees
- Capital gains tax may apply on your investment, but your primary residence is typically exempt
- Downsizer contributions: over-55s can contribute up to $300,000 from home sale proceeds to super
Common questions.
Selling first gives you certainty on your budget and avoids the risk of carrying two mortgages simultaneously. However, buying first (using bridging finance) means you won't need to rent between properties. Your broker can model both scenarios — the right choice depends on your equity position, risk tolerance, and the local market.
Bridging finance is a short-term loan that covers the gap between buying your new home and selling your existing one. During the 'peak debt' period you hold both properties. Most bridging loans run for 6–12 months and revert to a standard mortgage once your old property sells. Interest is often capitalised (added to the loan) so there's no additional repayment pressure during the bridging period.
Yes — this is the most common approach for upsizers. Your broker will calculate your usable equity (typically your property value minus 80% of its value, minus your remaining mortgage). This equity can be accessed via a refinance or loan top-up to form the deposit on your next purchase.
Ready to make your move?
We can model your sell-buy timeline and secure the best financing for your situation.
Get connected — it's free