Buying your next home

Buy first or sell first? Keep your current place or let it go? We help you work out the budget and the cleanest way to make the move.

Is this right for you?

Who we help buying their next home

You don't know your real budget this time

Equity, your current loan, and the new purchase all have to be read together

You're stuck on whether to buy or sell first

Sell first and you may have nowhere to go. Buy first and you may carry two homes

You've heard of bridging finance but it sounds risky

It can fix the timing, but only if it's structured to suit your position

You're tempted to keep your current home as an investment

A smart move for some, a stretch for others. The numbers decide

You're worried the settlements won't line up

We help manage the timing so you're not caught between two homes

How It Works

A clear path from your first question to the keys in your hand

Work Out Your Position

We review your current home, equity, loan, and income to set a clear budget

Choose Your Path

Buy first, sell first, or hold and invest. We map the options to your timing

Structure The Finance

We arrange the loan, including bridging if it suits, and position you to move

Coordinate The Move

We work with your conveyancer and lender so both settlements line up

Frequently Asked Questions

Should I buy my next home before I sell, or sell first?

There’s no single right answer, and it’s the question most upgraders get stuck on. Buying first means you secure the home you want without rushing, but you may carry two loans for a period. Selling first removes that risk but can leave you renting or buying in a hurry. Many people sell first on a longer settlement, or buy with a longer settlement, to give the two sides time to line up. The right call depends on your equity, your income, and your appetite for risk. We talk through both paths with your real numbers before you commit.

Can I make an offer "subject to sale" of my current home?

You can, but many vendors won’t accept it, especially when there are other buyers, because your purchase depends on your own home selling first. It tends to make your offer less competitive. There are usually stronger options, like a longer settlement, a “subject to finance” clause on a private sale, or bridging finance to remove the dependency altogether. We help you work out which approach gives you the best chance without overexposing you.

What is bridging finance and do I have to service two full loans?

Bridging finance is a short-term loan that lets you buy before your current home sells. A common misunderstanding is that you must service both mortgages in full during the bridge. In most cases the lender assesses your “peak debt” and the interest on the bridging portion can be capitalised, meaning it’s added to the loan and cleared when your home sells, rather than paid as a second full repayment. Lenders usually allow a set window to sell, commonly up to 12 months, and the property valuations matter. We explain how it would work for your position before you rely on it.

Can I keep my current home as an investment and buy a new one to live in?

Sometimes, and for some people it’s a strong long-term move. It works when your income can service both loans and the expected rent supports the position. For others it stretches affordability too far once you add the second loan. There can also be tax considerations down the track when a former home becomes an investment. We read your full position and give you an honest answer, and flag anything worth getting specific advice on.

What happens if my sale and purchase settlements don't line up?

This is a common worry and it’s manageable with planning. Options include a longer settlement when you buy, a shorter one when you sell, or bridging finance to cover the gap. Same-day settlements are possible but rely on everything going perfectly, and they can be stressful, so a good conveyancer is essential. The key is sorting the timing out early, not on settlement morning. We help coordinate it with your conveyancer and lender so you’re not caught between two homes.

THINKING ABOUT YOUR NEXT MOVE?

Have a conversation with us. We’ll tell you clearly what’s possible