Where to start?
Know Your Equity Position
Your current home's equity is likely your biggest asset. Lenders generally allow access to up to 80% of your property's value minus what you owe — this becomes your deposit for the next purchase.
Sell First or Buy First?
Selling first gives you certainty on your budget and avoids carrying two loans. Buying first means you won't miss out on the right property — but it comes with more financial risk and stricter lender criteria.
Sell to Buy
You sell your existing home first, converting equity to cash. This gives you clarity on your deposit and borrowing power before committing to a purchase — and avoids the complexity of holding two properties.
Bridging Finance
Allows you to buy your next home before selling your current one. The lender temporarily funds both properties. Bridging loans have strict equity and income requirements, and interest can accumulate quickly if your sale takes time.
Understand Your Numbers
Whether upgrading or downsizing, get clear on your usable equity, borrowing capacity, and what the gap looks like between your sale proceeds and new purchase price — before you start making offers.
Talk to Your Broker Early
The right loan structure depends on your timing, equity, and risk tolerance. A broker can map out your options — whether that's sell to buy, bridging, or using equity from your current home — before you commit to anything.
Your equity, made simple.
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Your Available Equity
Equity Breakdown
Usable Equity
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Disclaimer: We’ve done our best to make this calculator is accurate, but the results are just a guide. It’s not a quote or a loan pre-approval. Calculation is based on (property value x .80 – loan amount). This represents the available equity you could potentially cash out for other use or leverage for other purchases. If you want to know more, feel free to get in touch!
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Understand loan structures.
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Overview
Disclaimer: Please note, the above loan structures search is for general information purposes only. Structures are dependent on your unique situation and an assessment by a qualified mortgage broker must be done to confirm your eligibility.
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Frequently Asked Questions
How can I pay a deposit with no savings?
Depending on how much equity you have in your current home, you could leverage this to borrow 100% plus costs of your new purchase. The deposit is then paid via use of a deposit bond. A deposit bond is basically an IOU that says you are good for the money at settlement. There are several groups who provide deposit bonds and the fees mean that the upfront cost out of pocket is less than paying a traditional 10% deposit. This can also work if you have the equity, but don’t want to lose access to your savings.
If I use equity to buy an investment, do I have to change lenders?
You don’t necessarily need to change lenders to use the equity in your current home, however, it may be worthwhile. With different policies you can access when buying an investment property as well as different interest rates, it could save you thousands to switch at the same time.
Are there any fees or costs when refinancing?
Refinancing may involve exit fees from your current lender, application fees, valuation fees, and settlement costs with the new lender.
It’s important to compare these costs against potential savings to ensure refinancing is worthwhile.
Can I cash out equity for other investments?
Yes. Most lender’s let you cash out up to 80% of your properties valuation amount. You can then use this to fund contributions towards a new purchase or for other things such as investment in shares, home improvements amongst other things.
How do I choose the best refinancing option?
Look at interest rates, loan features, flexibility, fees, and customer service when choosing a new loan.
A broker can help compare multiple lenders and products, showing which option aligns best with your financial goals.