Personal lending
The next home is the big one.
Bigger loan, existing equity, and the sell-or-buy-first puzzle. This is the move where a good broker earns their keep.
Common situations
The four questions every upgrade starts with.
"Do we sell first or buy first?"
Both can work. We map your equity, bridging options and risk so the sequence is a decision, not a gamble. More on bridging finance
"How much of our equity can we actually use?"
Usable equity is not the same as the number on realestate.com. We calculate the real figure and structure it properly.
"Our income is bigger, but so is the loan. Will we get it?"
A snapshot against real lender policy answers it before you commit to anything. Get your loan snapshot
"Should we keep the old place as an investment?"
Sometimes brilliant, sometimes a trap. We run both versions with your adviser and accountant in the room. More on investment lending
Our process
Three steps, and you always know where you are.
We work the same way on every loan, so nothing gets lost and you are never left guessing. Here is what happens between the first conversation and settlement.
Tell us the goal
A quick conversation, then one link to send us your documents, with a clear list of exactly what we need.
Three options
We assess your position, check lender policy before anything is lodged so your credit file is protected, and present three clear options in plain English.
Lodged, chased, settled
We prepare the paperwork, update you at every stage, chase the lender so you do not have to, and stay contactable after settlement.
Common questions
Questions we get asked.
Usually yes, and it is how most upgrades happen. The structure matters: done well it funds the move; done carelessly it tangles both properties. (General information only.)
Selling first is certain but risks renting between homes; buying first needs bridging or flexible settlement. We model both with real numbers so you choose eyes-open.
It can be a wealth move or an anchor, and tax treatment changes the answer. This is exactly where the one-roof team earns its keep: broker, adviser and accountant on one plan.
Completely, and it is the clients we serve best: the forever-home move, done once, done properly.
Ready to talk about the next home?
The first conversation costs nothing and comes with no obligation.
Or call (03) 9574 8300
