Upgraders
We’ll help get you the right deal and do the work for you
Upgrade with confidence – we’ll help make your next move seamless
When it’s time to upgrade your home — whether for more space, a better location, or a fresh start — we’re here to help make the move as seamless as possible.
We’ll work with you to understand your current financial position, how much equity you have, and what your borrowing power looks like for the next property. We’ll also help you plan around the sale of your existing home, potential bridging finance, and any timing or cash flow considerations.
Whether you’re upsizing for a growing family or transitioning to your dream home, we’ll guide you through the finance options and take care of the details — so you can focus on your next chapter with confidence.
Upgrader FAQs
What does it mean to be an upgrader?
An upgrader is someone who is selling their current home and buying a new one—usually because their situation has changed, they want more space, a better location, or different features. Whether you’re upsizing, downsizing, or shifting for lifestyle reasons, we can help structure your loan to suit your changing needs.
Can I buy my next home before I sell my current one?
Yes, you can. This is often done using bridging finance, which allows you to access the funds for your new home before the sale of your current one settles. It can be a useful solution if you’re concerned about missing out on your next property. We’ll help assess whether bridging finance is right for you and make sure your cash flow is managed carefully during the transition.
How does loan structuring change when upgrading?
When upgrading, you might need to restructure your existing loan or take out a new one entirely. We’ll consider whether you’re selling, keeping your current property as an investment, or using equity. We’ll help you navigate the financial strategy that supports your long-term goals.
Do I need a deposit for my next property if I already own one?
Not necessarily. Many upgraders use equity from their current home instead of cash for a deposit. We’ll calculate your available equity and explain how it can be used to reduce your upfront costs.
What happens if I don’t sell my home in time?
If you’re relying on funds from your sale, timing matters. If the sale takes longer than expected, bridging loans can give you some breathing room. We’ll help assess the risk and run through all possible scenarios so you’re not caught off guard.
