Upsizing House Mortgage

Fast and reliable home loans for property upsizers

We work with growing families looking to upsize or determined to buy their dream home. Buying and selling your home can be complex, especially where your most valuable asset is at stake. We help you evaluate your buy vs sell options, manage the timing, and make securing the finance stress free so that your house becomes a home in no time.

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Helping you Buy Your Next Home

Can I turn my current home into an investment property?

You can turn your current home into an investment property if (1) you already have the deposit for your next home (2) you have the borrowing capacity to maintain the old loan and new loan and (3) you are comfortable with the total repayments each month.

Can I use the equity in my current property to buy my next home?

Yes, if you can demonstrate the borrowing capacity and are comfortable with the repayments you can apply for a “cash out” to use as your deposit for your next home.

What is a bridging loan?

A bridging loan is a temporary loan for a 6 – 12 month period that allows you to settle on the purchase of your new home while you wait for your old home to sell.

The bridging loan is then closed from the proceeds of sale from your current home, leaving you with a residual loan or “end debt” which you then repay.

Please see the page dedicated to Bridging Loans.

What is a prior or simultaneous settlement?

A prior or simultaneous settlement is where you sell and settle your current home first so that the proceeds of sale (i.e. the money you have left over after the sale) can be used to pay for and lower the loan amount required on your new home.

Do I need a lawyer or conveyancer?

Yes, we strongly recommend you hire an experienced lawyer or conveyancer to manage all the legal aspects of buying and selling your home.