Moving to your next home raises plenty of financial questions. Here are the main options to weigh up — and how each one might work for your situation.

Use the Equity in Your Current Home

Your existing property could be the key to funding your next one. Equity is the difference between your property’s market value and your remaining loan balance. You may be able to unlock this equity to cover the deposit and costs for your next purchase — without needing to sell first.

We help you:

• Calculate your available equity

• Access competitive home loan products using that equity

• Structure your loan for flexibility and tax efficiency

Consider Loan Portability

Loan portability lets you take your current home loan with you when you buy your next home — potentially saving time, fees, and paperwork.

Benefits include:

• Avoiding break costs on fixed loans

• Keeping your existing loan rate and features

• Smoother transitions between properties

We’ll review your current lender’s portability policies and advise if this is the right move for you.

Explore Bridging Finance

If you want to buy before you sell, bridging finance might be an ideal short-term solution.

How it works:

• You secure a loan for the new property while still owning the current one

• Once your current home sells, the loan is adjusted to reflect your final loan amount

We guide you through:

• How much you can borrow during the bridging period

• The pros and cons of this strategy

• Structuring your repayments during the overlap

Sell Your Current Property or Keep It as an Investment?

We help you weigh up whether it’s smarter to sell your current home or convert it into an investment property.

Selling pros:

• Access funds for a larger deposit

• Simplify your finances

• Avoid holding multiple loans

Keeping it pros:

• Build your property portfolio

• Earn rental income

• Potential for long-term capital growth

  
  

We’ll break down the numbers so you can make an informed choice.