Home About
Services Home Loans Refinancing Investment Loans Commercial Finance SMSF Loans Private Credit
Resources Guides Calculators Blog FAQs
Lenders Contact
Book a discovery call

Your next home, structured for the move.

Moving up is rarely as simple as 'sell, then buy.' The order matters, and so does the structure of the loan you land in.

Sell first, buy first, or run them in parallel.

If you're upsizing, the biggest decision is the order. Selling first tells you exactly what you have to spend, but can mean temporary housing or a rushed purchase. Buying first lets you secure the right home when it comes up, but means bridging finance and the risk of carrying two mortgages if the existing property is slow to sell. You can run both in parallel, as long as the finance is structured upfront rather than pulled together once a contract is on the table.

This page sits under home loans. If you're thinking of buying before you sell, the bridging finance page covers the mechanics in more detail. If the next home will also become an investment, the investment loans page is more relevant to the structuring.

The four decisions that shape the move.

Equity release timing
When and how to release existing equity, before the next purchase or as part of it.
Bridging vs non-bridging
Whether you need a bridging loan, or whether a non-bridging deposit release is cleaner.
Ownership structure
Whose name the next property is in, and what that means for future tax and protection.
Capital gains & main residence
The timing interaction with the main residence CGT exemption (a tax adviser question, but we'll flag it).

Upsizing FAQs

Can I keep the existing home as a rental?
Often yes. The question is whether the serviceability stacks up with two loans, how the ownership is structured, and what the interest-deductibility implications look like. We model the scenario and flag tax questions to your accountant.
How long does bridging finance last?
Most bridging loans run 6 to 12 months. During that window you typically service the interest-only payments on the end-debt portion. Peak debt is carried until the existing property sells. See the bridging page for the mechanics.
What's a non-bridging alternative?
For clients with enough equity and serviceability, we can structure a new loan on the next property, release equity from the existing property, and sell the existing property later without a formal bridging product. Where the numbers allow it, this is the cleaner option.

Related pages

Bridging financeRefinancingInvestment loans
General advice disclaimer. The information on this page is general in nature and does not take into account your personal objectives, financial situation or needs. You should consider whether it is appropriate for you before acting on it, and seek professional advice where relevant.

Ready to structure this properly?

Book a 30-minute discovery call. There's no cost or obligation, and you'll leave with a clear next step.

Book a discovery call