Question 1

Can I buy before I sell my current home?

Accepted Answer

Yes — bridging finance lets you settle on a new property before the old one sells. Most banks and several non-bank lenders offer bridging, usually for 6–12 months. We compare structures so you avoid carrying two full mortgages longer than needed.

Question 2

How is the equity in my current home used?

Accepted Answer

Banks typically allow you to borrow against the usable equity in your existing home (often up to 80% of its value, minus your current mortgage). That equity becomes your deposit on the next purchase — no cash savings required in many cases.

Question 3

Will my borrowing power increase when upsizing?

Accepted Answer

It depends on your income, existing commitments and the new property's value. We run a full borrowing assessment and stress test repayments at 8–9% so you upsize with confidence, not surprises.

Question 4

Should I keep my current home as a rental?

Accepted Answer

Sometimes — if the numbers work and you have enough deposit/equity to buy the next one. We model both scenarios (sell vs. retain as rental) so you can decide based on real cashflow and tax outcomes.

Moving On Up? Let's Structure It Right.

What We Help With

Check Your Equity & Borrowing

Common questions when upgrading

Plan Your Next Move with Confidence