Home loans for your next home
Upsizing, downsizing, or relocating? Use the equity in your current home as your deposit, compare 35+ lenders, and access bridging finance. Your Sydney mortgage broker at $0 cost.
You already own, so you have equity and a track record to work with. We check your usable equity, compare 35+ lenders, and get you pre-approved so you can move on your timeline. Our service costs you $0.
Your equity can cover the deposit, so there is no need to save again. If the right home comes up before yours sells, a bridging loan bridges the gap. Or sell first and buy with a firm budget. We will show you which suits.
Most lenders let you borrow up to 80% of your home value. Your usable equity is that figure minus what you still owe. Here is how it works, using a $400,000 loan as an example.
| Home value | 80% of value | Loan owing | Usable equity |
|---|---|---|---|
| $800,000 | $640,000 | $400,000 | $240,000 |
| $1,000,000 | $800,000 | $400,000 | $400,000 |
| $1,200,000 | $960,000 | $400,000 | $560,000 |
| $1,400,000 | $1,120,000 | $400,000 | $720,000 |
| $1,600,000 | $1,280,000 | $400,000 | $880,000 |
| $1,800,000 | $1,440,000 | $400,000 | $1,040,000 |
| $2,000,000 | $1,600,000 | $400,000 | $1,200,000 |
Estimates only, based on a $400,000 loan owing. Usable equity is 80% of your home value minus your loan. Your own loan balance will differ. Lenders may go above 80% with LMI. Use our home equity calculator for your numbers, or book a free consultation.
Three good options, and the right one comes down to your equity and your timing:
Usually 80% of your home value minus what you owe. On a $1,000,000 home with $400,000 owing, that is $400,000, often enough to cover the deposit and stamp duty. Try the home equity calculator, or call us for your exact position.
Yes, at the full rate, since first home buyer exemptions no longer apply. We work out your figure up front and build it into your budget, so nothing lands as a surprise.
Your situation sets the path. Not sure which is yours? Give us a call.
Real moves, and what we did for them.
Our founder spent 8+ years inside a major bank approving loans. He knows what gets a yes, and how to lift your usable equity.
Real answers to the questions homeowners ask us every day.
We compare 35+ lenders, work out your equity, handle the paperwork, and get you pre-approved fast. $0 cost.
MFAA member. 10+ years lending experience.
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