Loan guidance for buying your next home
Whether you are upsizing, downsizing or relocating, we help you compare your borrowing options and plan what happens with your current property.
Your Next Home Journey
Upsizing
Growing your family or needing more space? We assess equity, borrowing capacity and settlement timing so you can compare selling first, buying first or using bridging finance.
Downsizing
Downsizing may release equity, reduce debt or change your repayment needs. We help you test the lending options before you commit to a purchase timeline.
Relocation & Sea Change
Moving interstate or seeking a lifestyle change? We work with clients across Australia and can help you understand different state stamp duty rates, land tax implications, and lender policies in your new location.
Porting Your Loan
Loan portability may be available, but it is not automatic. We review your current product, lender rules and market alternatives before recommending a path.
Capital Gains & Stamp Duty
Selling a property can have capital gains tax implications, and buying your next home usually involves stamp duty. Tax outcomes depend on your circumstances and should be confirmed with your accountant — we help you structure the finance around the full cost of the move.
Common questions about buying your next home
It depends on your equity, income, deposit, settlement timing and appetite for risk. Some clients need bridging finance; others are better placed selling first.
Possibly. Lenders will assess rental income, existing debt and your ability to service both properties.
Loan portability may be available with some lenders, but it is not automatic. Approval, valuation and product rules still apply.
Bridging finance may cover the gap when you buy a new home before selling your current one. It usually runs for a limited term, and eligibility depends on equity, serviceability and lender criteria.
Stamp duty generally applies to a new purchase, and rates and concessions vary with the state, the property value and your circumstances. Rules change, so verify current rates with the relevant state revenue office.
Planning your next home move?
We help you compare lending options before you sell, buy or bridge between properties.