Buying your next home?
Ready to move to a larger home, relocate to your dream suburb, or upgrade to that luxury property you've always wanted? As an existing homeowner, you have significant advantages - built-up equity, established credit history, and better lending options than ever before.
Buyvest mortgage brokers help you leverage your home equity to secure the best possible loan for your next property, with access to 35+ lenders and competitive rates designed for homeowners upgrading.
Ready to buy your next home with Buyvest?
Get your free equity assessment from Buyvest mortgage brokers and find out exactly what you can afford for your next property.
Free Home Buyer AssessmentWhy choose Buyvest mortgage brokers when buying your next home?
35+ lenders to compare
Banks represent only themselves. Buyvest represents you, comparing rates and terms across all major lenders.
No cost to you
Lenders pay our commission directly. You pay the same rate whether you go to the bank directly or through Buyvest - but with expert guidance included.
Expert market knowledge
We know which suburbs are growing, where investment potential is highest, and where to find value in today's market.
Specialised strategies
We structure your loan to match your unique buying situation. Whether it's bridging, timing, or specific property requirements, we find solutions tailored to your next home purchase.
Different banks for better valuations
Some lenders value properties higher than others. We access banks that recognise the full value of your existing property, maximising your borrowing power.
Ongoing support
We don't disappear after settlement. We're available for refinancing, rate reviews, and future upgrade opportunities.
How can Buyvest mortgage brokers help you buy your next home faster?
Leverage your home equity
Use your built-up equity as a deposit for your next property. Often means 20%+ deposit without saving additional funds.
Better interest rates
As an existing homeowner with equity, you qualify for premium rates. Buyvest compares 35+ lenders to secure the lowest available.
Larger borrowing power
With your current home as security, you can borrow more to purchase that perfect property in your desired suburb.
Flexible timing options
Bridge the gap between selling your current home and purchasing your next. We offer bridging loans and synchronised settlements.
Portfolio growth strategy
Whether you're keeping your current property as an investment or selling it, we structure your loan to maximise wealth building.
Specific mortgage solutions
Established homeowners get faster approvals. Our streamlined process means you can move quickly when the right property appears.
Buying your next home: all scenarios we help with
Sell current, buy next
Best for: Simplifying, moving for lifestyle
Key considerations: Clean break. No rental management. Simpler tax. Capital gains on investment property (if applicable).
Keep as investment
Best for: Wealth building, portfolio growth
Key considerations: Dual loans required. Rental income offsets interest. Long-term wealth strategy. Negative gearing benefits.
Bridging approach
Best for: Keeping options open
Key considerations: Buy next home before selling current. Bridge gap. Gives flexibility and less pressure to sell quickly.
Growing family - larger home
Best for: Families needing more space
Key considerations: Family-friendly suburbs. Good schools and parks. Affordable loan options. Extra bedrooms for growing families.
Buying a luxury property
Best for: Premium properties and suburbs
Key considerations: High-value lenders. Specialised structures. Premium suburb location. Luxury property expertise.
Buying in a new suburb
Best for: Relocating to a different area
Key considerations: Local market knowledge. Suburb trends. Growth potential. Lending criteria by location.
Home equity calculator: how much equity you can access to buy your next home?
Your home equity is the difference between your property's current market value and what you still owe on your mortgage.
Example: Your home is worth $700,000 and you owe $400,000
80% LVR
80% of $700,000 = $560,000
Equity Available = $560,000 - $400,000 =
$160,000
90% LVR
90% of $700,000 = $630,000
LMI (2.25%) = $15,750
Equity Available = $630,000 - $400,000 - $15,750 =
$214,250
95% LVR
95% of $700,000 = $665,000
LMI (3.93%) = $27,510
Equity Available = $665,000 - $400,000 - $27,510 =
$237,490
Use our home buying calculators
Understand what you can afford when buying your next home
How to buy your next home: step-by-step guide
We arrange a valuation of your current property to determine its market value and exactly how much equity you can access.
We assess your income, debts, and circumstances to determine how much you can borrow combined with your equity.
With your approved borrowing power, search confidently for your next home. We help identify growth suburbs and negotiate pricing.
We structure your loan for tax efficiency and arrange bridging if needed. We coordinate all parties for smooth settlement.
Documents needed for your next home loan application
Have these ready to streamline your approval process and get pre-approved faster.
Personal identification
Australian passport or driver's license (with photo, full name, DOB, current address), plus citizenship certificate or birth certificate. We keep everything secure and confidential.
Proof of income
Two recent payslips from current employer, or 2 years' tax returns if self-employed. For contract/casual work, employment letters plus most recent Pay As You Go (PAYG) summary.
Financial statements
Latest bank statements (3 months), savings account statements, and internet banking history showing your current financial position.
Existing debt information
Statements for all existing home loans, car loans, credit cards, and personal loans. We need to calculate your full debt servicing capacity.
Rates & insurance
Council rates notice and building insurance documents to verify your property ownership and insurance coverage.
ABN & business documents (self-employed)
ABN registration, 2 years' tax returns, BAS statements, and recent invoices or business statements showing your practice income.
Success stories: buying your next home
"We wanted to move from Parramatta to the Inner West but thought it would be too expensive. Buyvest showed us we had enough equity to make it work. Now we're exactly where we want to be!"
"Getting pre-approval in one day meant we could negotiate from a position of strength. The seller took our offer seriously. Couldn't have done it without their speed and expertise."
"We wanted to keep our first home as an investment. They structured it perfectly so we could upgrade to our new dream home AND keep building our portfolio."
Buyvest mortgage brokers serving Sydney & Australia
Buyvest mortgage brokers help homeowners buy their next home across Sydney and Australia to secure the best home loans and competitive rates available. Whether you need help understanding your buying options, comparing mortgage rates, or structuring investment properties, our team of experienced mortgage brokers is here to guide you through every step of your journey.
Ryde area suburbs
Greater Sydney regions
Regional NSW
Australia wide
Buyvest mortgage brokers also assist homeowners buying their next home across Australia. Contact Buyvest to discuss your location and how our mortgage brokers can help you buy your next home.
Ready to get started buying your next home with Buyvest?
Our expert team of Buyvest mortgage brokers is ready to guide you through every step of your home buying journey.
Free Home Buyer Assessment