Buying your next home?
Ready for a little more space? Let’s get you into your next home.
Not only are you more familiar with the process the second time round, you’ll also have home equity. This really opens up the market for you in terms of what, and where, you can afford to buy.
PLANNING
GET PREPARED
If you’ll be moving house, make sure to consider:
– Whether it’s the right time
– Whether to buy or sell first
– What amount you can borrow
– The type of home that will suit you
– Maximising your current home’s sale value
– Review your home loan strateg.
FREE YOUR EQUITY
Equity can best be defined as how much your home is worth, minus how much you owe to the bank.
Chances are that you may have collected equity worth tens of thousands of dollars, which can be used to pay down your loan. Trouble is, a lot of homeowners aren’t sure about how to access their equity.
CHICKEN OR EGG?
A lot of people choose to sell their current home first, then use the available equity to buy their new home. However, depending on your circumstances, buying first may actually be a better choice.
GET YOUR LOAN
GET THE RIGHT LOAN
Not only are there hundreds of loans to choose from, some are marketed using names and descriptions that don’t really say much about the loan and how it works.
APPLY RIGHT
There’s a lot riding on your home loan application, and the more prepared you are, the more likely you’ll receive the thumbs up from a lender.
GET PRE-APPROVED
Get auction-ready with a conditional loan approval. Our home loan specialists will help you work out what loan is right for you – and can even start filling out your application.
BUYING YOUR HOME
AUCTION SAVVY
Auctions can offer big advantages – like the chance to secure your dream home at a price that truly reflects its market value. But successful buying at auction calls for some additional work behind the scenes, and knowing what you’re up against is crucial in mastering the auction game.
PREP YOUR CHEQUE
When you make the winning bid at an auction you immediately enter into a binding contract. There is no cooling off period (so it pays to have your home loan pre–approved). During this time it is expected that you pay a deposit – usually 10% of the sale price.
SETTLE UP
The average settlement period is between 4–6 weeks, so if you’re relocating to a new home it can be a busy period with plenty to plan for like moving furniture, organising a new school for the kids and maybe even a new job.
OUR PANEL OF LENDERS
We’ll guide you, giving you the ins and outs of each loan, so you can make a more confident decision.


What our clients say
We’ve helped thousands of Australians finance their dreams
"As first home buyers we knew nothing about buying property let alone financing it. Richard guided us step by step through the whole process. His banking experience and product knowledge left us feeling confident and comfortable with the decisions we made. Definitely be recommending to all our friends and family. Thankyou"
- Probst & Travis
"Richard's communication and dedication to his role is outstanding, proactively checking in with us through the process to make sure we understand everything and to answer the numerous questions we had quite often. We will be keeping in touch periodically moving forward to ensure we're getting the best setup for our loans. Thanks Richard"
- Everitt & Jinks
FINANCIAL CALCULATORS
These calculators will provide you with a solution which may assist you when considering purchasing a property.
Are you ready to take the next step?
Our finance specialists are available to help you and answer all your questions
Request your free property and suburb report
DON'T FORGET INSURANCE
Should you be unable to service the loan repayments through illness, injury or death, be sure you have the right insurance cover.