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
Next home

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.

The move

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

If you're upsizing, the biggest single decision is sequencing. Selling first gives you certainty on what you actually have to spend, at the cost of temporary housing or a rushed purchase. Buying first gives you the right home at the right moment, at the cost of bridging finance and the risk of two mortgages if the existing property takes longer to sell. Running them in parallel is possible but needs the financing structured upfront — not scrambled for once a contract is on the table.

This page is part of our home loans offering. If you're considering buying before you sell, our bridging finance page goes deeper into the mechanics. If the next home will also become an investment, the investment loans pillar may be more relevant for the structuring conversation.

What we look at

The four decisions that shape the move.

Equity release timing
When and how to unlock existing equity — before the next purchase or as part of it.
Bridging vs non-bridging
Whether a bridging loan is actually needed or a non-bridging deposit release is cleaner.
Ownership structure
Whose name the next property sits 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).
Q&A

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 actually 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. Cleaner, where the numbers allow it.
Keep exploring

Related pages

Bridging financeVendor AdvocacyRefinancingInvestment 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. No cost, no obligation, and a clear next step at the end of it.

Book a Discovery Call