Buying your next home

Moving up, moving on, or moving to the coast

Buying and selling at the same time takes planning. We help you decide whether to buy or sell first, and structure bridging finance if you need it.

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Is this you?

Upgrading to a bigger home for a growing family
Downsizing or making a sea change
Need to buy before your current home sells
Want to keep your current home as an investment

Key facts

What you should know

39 daysMedian time to sell nationally, September 2026 (Cotality)

6–12 mthsTypical bridging loan period

80%Usual LVR limit to avoid LMI on your end debt

1 callTo compare bridging, porting and refinancing

Borrowing Power Calculator

Estimate your borrowing power using the same building blocks lenders use: income after tax, living expenses, debts and the 3% serviceability buffer.

Open calculator

Figures current as at October 2026. Scheme rules and caps change; we confirm them for your situation.

How it works

Our process

Map your numbers

Realistic sale price, your end debt and stamp duty on the next home.

Choose your path

Sell first, buy first with bridging, or port your existing loan.

Get approved

We line up approval before you commit to a purchase.

Settle both sides

We coordinate timing with your conveyancer.

Questions

Frequently asked

Should I buy or sell first?

In a slower market, selling first is usually safer. If you buy first, bridging finance can cover the gap.

Can I keep my fixed rate when I move?

Many lenders let you port your loan to the new property, avoiding break costs.

How does bridging finance work?

The lender funds your new purchase before your current home sells, with interest often added to the loan until the sale.

Learn more

Offset Account vs Redraw: What's the Difference?

Offset accounts and redraw facilities both reduce interest, but they work differently. Compare access, tax impact for investors, and which suits you.

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Loan Features

How an Offset Account Can Save You Thousands (With Real Numbers)

See how much an offset account could save you in interest and years off your loan, with worked examples at 2026 interest rates.

3 min read

Loan Features

How Much Do Extra Home Loan Repayments Really Save?

An extra $100, $200 or $500 a month can take years off your mortgage. See the real savings at 2026 rates, plus when extra repayments aren't the best move.