Home Home loans Upgraders
Mortgage broker for upgraders
Moving to a bigger home means juggling a sale, a purchase and two sets of deadlines. We help you plan the order, work out what you can borrow, and compare lenders, including non-bank options. You never pay us a fee.
Questions you might be asking
Can we afford the next home?
We look at your equity, income and the costs of selling and buying to give you a realistic budget.
Should we sell first or buy first?
Selling first gives you certainty on price. Buying first means you don't miss the right home. We'll show you what each means for your borrowing.
Do we need bridging finance?
If you buy before you sell, a bridging loan can cover the gap. It has costs and time limits, so we compare it with your other options first.
Should we renovate instead?
Sometimes staying and renovating costs less than moving. We can compare both from a lending point of view.
What if our home sells for less than we hoped?
We build a buffer into the plan, so a lower sale price is less likely to leave you stretched.
Is now the right time?
That depends more on your equity, income and plans than on market headlines. We'll help you see where you stand today.
Ways to make the move
Buy first and keep your current home
If your income and equity allow, keep the current home as an investment rather than selling it.
Buy first, then sell
Secure the new home, then sell the old one, using bridging finance or a longer settlement to cover the gap.
Sell first, then buy
Know exactly what you have to spend before you buy. You may need to rent for a short time in between.
Loan options we can look at
Every option depends on your situation and each lender's criteria. We'll tell you which ones fit before you apply.
Equity release
Use the equity in your current home towards the deposit on the next one.
Bridging loans
Short-term finance that covers the gap between buying your new home and selling the old one.
Pre-approval
Know your budget before you make an offer, so you can move with confidence.
Longer settlement
A longer settlement on your purchase can give your sale time to finish. We'll check how lenders treat it.
Non-bank lenders
Non-bank lenders on our panel can offer more flexibility on timing and structure.
How it works
- Step 1
Talk it through
A free, no obligation chat about where you are and what you want to do.
- Step 2
Compare the options
We compare lenders across our panel and explain each option in plain English.
- Step 3
Apply
We prepare and lodge your application and keep you updated at every stage.
- Step 4
Settle
We stay with you through to settlement day.
Common questions
Does it cost anything to use Vitara Finance?
No. Vitara Finance doesn't charge clients a fee. Lenders pay us a commission when a loan settles, and we'll give you the details before you commit to anything.
How long does a bridging loan last?
It varies by lender, often between six and twelve months. We'll confirm the terms that apply to your situation before you commit.
This is general information only and doesn't take your objectives, financial situation or needs into account. Lending criteria, fees and charges apply. Vitara Finance Pty Ltd, ABN 67 912 182 576. Credit Representative 580892 is authorised under Connective Credit Services Pty Ltd, Australian Credit Licence 389328.
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