Upgrade your home with clarity and confidence

Whether you are upsizing or downsizing, your next home marks a new beginning. You might be wondering whether to sell first or buy first, how to access your equity, or how to manage both mortgages at once.
I’ll help you cut through the complexity, map out your options, and guide you through the process — so your next move feels simple, not stressful.

How I Help

  • We’ll start with a relaxed conversation about what’s prompting your move and what you’re looking for in your next home. Whether you’re growing your family, changing suburbs, or downsizing, I’ll get a clear picture of your goals and financial position so we can create a plan that fits your life.

  • We’ll look at your current loan, property value, and available equity. From there, I’ll show you different pathways — whether that’s using equity, selling first, or bridging finance. You’ll understand exactly what’s achievable, what your repayments might look like, and how to structure your next loan to support long-term goals.

  • Once you’ve chosen your path forward, I’ll take care of preparing and submitting your new loan application. I’ll coordinate with your lender, conveyancer, and (if applicable) the sale of your existing home to ensure everything runs smoothly from start to finish. You’ll always know what’s happening and when.

  • When settlement day comes, you can focus on moving in — not chasing paperwork. I’ll double-check that your new loan is set up correctly and will stay in touch to review your loan over time, ensuring it continues to suit your needs as life evolve

Your next home is closer than you think. Whether you’re just exploring your options or ready to start the process, I’ll help you plan your move with clarity and confidence.

Let's plan your next move

 FAQs

  • You have a few options. Some clients use a bridging loan, which provides short-term finance to buy the new property before selling the current one. Others use a subject-to-sale clause in the contract. I’ll help you understand what’s possible and recommend the best approach for your situation, so you can move with confidence and minimal stress.

  • A bridging loan is a temporary loan that “bridges the gap” between buying your new home and selling your existing one. It allows you to hold both properties for a short period, giving you time to sell without rushing or compromising on price. Once your old home sells, the proceeds are used to pay down the bridging portion. I’ll run the numbers with you to make sure this option fits comfortably within your budget.

  • Yes! Equity is one of the most powerful tools for upgrading. If your current property has increased in value, you can often use that equity as part or all of your deposit for your next home. I’ll calculate how much usable equity you have and structure your new loan so it supports your long-term goals.

  • There’s no one-size-fits-all answer — it depends on your finances, market conditions, and comfort level. Selling first can make budgeting simpler and reduce risk, while buying first can help you secure your dream home before it’s gone. I’ll help you weigh the pros and cons of each approach and explore financing options that suit your timeline.

  • When buying your next home, it’s important to factor in stamp duty, legal and conveyancing fees, moving costs, potential Lenders Mortgage Insurance (LMI) if your equity is under 20%, and agent fees for selling your current home. I’ll help you plan ahead so there are no surprises and you know exactly what to expect.

  • Not necessarily — if you have at least 20% equity in your property, you can usually avoid LMI. If you have less, we can look at ways to minimise it or structure your loans strategically to reduce costs.

  • Absolutely. Many people choose to convert their current home into an investment property while purchasing a new owner-occupied property. I’ll help you understand how the rental income, equity, and loan structure work together — and make sure your new loan is set up tax-effectively in coordination with your accountant.

  • That’s where proper planning comes in. I’ll assess your full financial position, run through multiple scenarios (including holding two loans temporarily), and ensure your repayments stay comfortable. My goal is to make your next move feel exciting, not stressful.

  • Your current bank may not always offer the best deal or structure for your next purchase. As a mortgage broker, I compare a wide range of lenders to find options that work best for your goals, equity position, and timeline — saving you time, stress, and potentially thousands in interest.

  • Ideally, as early as possible — even before you start house-hunting. The sooner we chat, the sooner we can assess your equity, borrowing capacity, and the best strategy for your move. That way, you’ll be ready to act quickly when the right home comes along.