Buying and selling sequence
Selling first and buying first carry different costs and risks. We map the lending implications alongside your likely settlement dates and available funds.
Buying your next home · Sydney
Make room for your next chapter.
A new home means more than a new loan. We work through the equity, the buying and selling order and the timing between settlements.
For owners buying their next home, whether they sell first or buy first.
What matters
The order matters as much as the loan.
Equity and existing commitments
Property equity is not automatically available cash. Access depends on valuation, loan limits and your ability to meet the lender’s repayment assessment.
Bridging and keeping a property
Bridging finance or retaining your current home may be worth discussing. Both require careful assessment of holding costs, exit plans and lender policy.
How it runs
Two properties, one plan.
- 01
Map both properties
Current loan, likely sale price, available equity and savings.
- 02
Choose the order
Compare buying first and selling first, including the costs of each.
- 03
Line up the finance
Consider bridging, keeping the current home or a new loan, subject to lender assessment.
- 04
Plan both settlements
Allow for timing gaps, holding costs and a slower sale.
These are general steps. Lending is subject to lender criteria and individual assessment. Approval is not guaranteed.
Getting ready
A useful starting point.
You don’t need everything ready for the first conversation. These details can help make it more useful.
- Current home loan statements
- Your expected buying and selling time frame
- Income evidence and other commitments
- Likely purchase budget and available savings
Discuss the secure process for providing documents with Alan. There is no document upload on this website.
Three-question check
Answer three questions and see what usually matters next.
Start the checkYour questions
Good to know.
Can I buy before I sell?
It may be possible, but depends on your finances, available loan options and the lender’s assessment. Plan for the possibility that the sale takes longer or achieves less than expected.
Can I keep my current home as an investment?
Potentially. The lender will assess both properties, current debts, expected rent and your overall financial position. Ownership and tax implications need separate professional advice.
Free strategy call with Alan
Your next move starts with a conversation.
15 minutes with Alan. Talk through where you are, where you want to go and what your finance needs to do along the way.