Upsizing, downsizing or just moving location, we can help you find the loan you need.

With the right loan in place, finding your new home will be easy.

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Make the right move.

People move house for lots of different reasons. No matter why you’re moving, an iConnect Financial broker can help you understand all the implications and find the right loan to suit your needs.

In most cases, moving from one property to another can be easier than buying your first home. You’ve been able to build up some equity, you have proven you can pay a mortgage, and that means you’re likely to have more choices than you did the first time.

But not everything is straightforward. You’ll need to make some big decisions about when and how to buy your next place, and what to do with your old home.

Three options for buying your next home.

If you sell your current property before you buy your next property, you’ll always know where you stand financially and will avoid extra expenses like costly bridging loans.

Benefits of selling first:

  • Find out exactly how much money you have to spend, as you’ll know what your old house has sold for.
  • Avoid bridging loans or two mortgages at once, and save a considerable amount of money on interest.
  •  Reduce pressure to rush decisions.
  •  You can create time to negotiate. This may help you get a better price for your home. You may also want to consider negotiating longer/shorter settlements as part of the deal (which may help you avoid having to rent).


An iConnect Financial broker will be able to guide you through this path. Talk to us before you sell your existing home, we’ll be able to give you an estimate on your property’s value, as well as prepare your financial documents so we can quickly arrange pre-approval when the time comes to start looking for your next home.

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It’s possible to buy before you sell as long as you know how to go about it. An iConnect Financial broker can show you the best way forward.

Things to think about:

  • Get your loan pre-approval sorted as soon as possible.
  • Consider a loan which combines the amount for the new property with the existing amount of the old property, so you only have one loan to pay instead of two.
  • If you’re building, consider deferring payments while your new home is being constructed.


If you do choose to buy before you sell, it’s even more important to use one of our brokers – they have the knowledge that’ll make the process as smooth as possible.

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Keeping your current property rather than selling it may be a wise move. It could help you to maximise your capital gains in the long term.

Things to think about:

  • Property often goes up in value the longer it is held, making it more likely to give you a profit when you sell.
  • An iConnect Financial broker will be able to work out if you can afford to keep your existing home, and if it might be beneficial for your situation and financial goals.
  • We can help with estimates on your current property, rental income estimates, and an equity calculation.
  • If you don’t sell, you’ll need to raise the funds for the deposit from savings, or through the equity you have in your current home.
  • You may need to refinance – we can show you the best way to go about it and find the right loan for your particular needs.

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Let’s get you moving.

Our brokers can help make the challenge of moving so much easier. For a FREE consultation, simply fill in your details below and we’ll get in touch with you soon.