Buying a New Home
Things can get a wee bit tricky when you’re in the process of selling one home and trying to buy another. Do you need to sell your old home first? How much can you afford? Does your home equity work for the deposit? Will there be a break cost for breaking your existing loan?
We’ll help take that worry away! Our team will work out your plan and make the options easy. Simply tell us your goals and your current situation, and we’ll handle the rest!
Do I need to sell my existing house first?
Sometimes if you have enough equity, you can buy a new home while your current one is still on the market. Just know that you’ll have to repay that new mortgage along with your existing one, so you’ll need to show the bank you have the income to do so. Not too many people fit into this category, but it’s worth looking into, especially if you need to move quickly.
Do I need to save up another deposit?
In most cases, before you can start buying another home, your house has to be unconditional, meaning that people signed up to purchase your home have to have confirmed their finances. Once they have, we can tell the bank how much you will get for the house and work out what you will have leftover for a deposit. In some cases, you may want to hold money back for repaying debt or doing renovations to increase the value of your home.
After we know the deposit amount you have, you can buy a new home and we can help you with the finance process. In the current market, it’s important to be prepared and organised because in many cases, there will be more than one offer on a house, and you want yours to be the strongest in order to be chosen. We can help make your case stronger when you talk with us and increase your odds of having the winning offer.
HOW IT WORKS
To get the ball rolling we ask that you fill in the following form, it is super easy to complete and 100% obligation free.
Send us the form, then we will contact you to discuss your options.
My partner and I couldn’t be more grateful for everything that Brenda & her team did for us in getting our dream home and even handling life insurance, the process couldn’t have been made any easier. What should have been a stressful time in our lives was made into an enjoyable experience.
We had a tricky case, with only one wage and my wife expecting the second baby we’re really pushing the boundaries of what we could borrow. Brenda and the team went above and beyond to twist some arms and pull some strings and managed to get us what we thought was impossible and we’re now happily living in the lovely house we wanted so much. they really did an amazing job and were extremely fun friendly and professional. highly recommend them and they will help you get over any hurdle you have.
My husband and I couldn’t recommend Brenda and her team more highly. Without her, our out of town dream wouldn’t have eventuated. Thanks again x
Brenda is absolutely amazing!
It’s just like talking to a friend! So bubbly, friendly and helpful
No need to look any further than Brenda
Brenda was fantastic and helped us with our mortgage, mortgage review and other financial advice. Highly recommend her to everyone.
Brenda and her team helped us out a few years back now and without her, we would not be where we are today. She puts in the hard yards for her clients.
For us, it not only helped with our dream home but also put our business on the map by being able to get a new build mortgage.
This woman is amazing! We would not be where are now without her! Brenda is honest and driven – highly recommend!! Love your work Brenda
Brenda is fantastic at what she does. We recommend her to anyone we know who needs a mortgage and /or insurance advice. Thanks for everything, Brenda!
Brenda is amazing! She made it so simple and easy for me to sort my finances and find my perfect home
Brenda and the team are absolutely amazing. Just a fantastic bunch of ‘normal’ people who go the extra mile. Brenda is crack up, efficient and easy to talk to. Highly recommended.
Exceptional service. Brenda and her team took all the hassle out of our original lending and have made the whole rollover process so easy. It has made all the difference having someone we can trust and rely on to help us navigate the hard stuff.
Brenda is very approachable and easy to talk to. We found her extremely helpful and would recommend her to anyone needing her services.
I honestly can not thank the team enough for all the hard work they put into helping me get my home. Never once did they complain about my constant nagging calls or unusual questions or even the quick turn around. It didnt feel like a business transaction it felt like a family member helping me out. Really cant recommend this team enough. Want the best, go with the best.
