Your next home loan | Craigieburn, Mill Park & Thomastown

Navigating the options for your next home

Buying your next home can mean a lot more flexibility than when you bought your first home. And just because you have been through the process before, doesn't mean it's easier the next time around! Our Mortgage Choice team in Craigieburn and Mill Park has helped hundreds of our clients buy their next home and navigate all the options to help them tailor their new loan.

Buying before selling:

In a perfect world, you would sell your current home and move into the next one on schedule, but we know that doesn't always happen! If you need to fund your next home, you might need to consider some finance options to bridge the gap between the sale and new purchase - like bridging finance or a deposit guarantee.

Keeping your property as an investment:

If this is something you want to consider, it's important to know the numbers before you make a decision. If you have enough equity in your first home, it's a viable option to use that as a deposit on your next home. But, the amount you can borrow will depend on the equity that you have in your first property as well as your ability to service the loans on both properties. Our team will chat you through the options available to you.

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Achieve your next goal with our team

We love seeing our clients upgrade to their next dream home, backed by a home loan that fits their budget and their goals. We'll do all the running around to get you a great deal.

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How can Mortgage Choice help with your next home?

Our Mortgage Choice team in Craigieburn is passionate about helping everyday Aussies make great choices about their home loan. That includes choosing a home loan option that is going to make the move to your next home go smoothly - whether you need to access equity or secure bridging finance.

We fit our recommendations around you and what you want to achieve.
We have over 35 lenders to look through before recommending a shortlist of tailored options.
We talk you through all your options and what we think is going to suit your unique plans.
We then do all the running around for your new home loan, so you can focus on the big move.
We will keep you updated along the way - you won't have to chase us or worry about following up with the bank. Our team has got it covered.

Common next home questions

What is a bridging loan?

A bridging loan is a temporary loan that gives borrowers the funds to buy a new property while in the process of selling their existing property. The minimum repayments on a bridging loan will generally be calculated on an interest-only basis, which is then added to the total debt when the existing property is sold. There are a few things to consider when looking at a Bridging Loan, so chat to our Mortgage Choice team in Craigieburn for details.

What is loan portability?

Loan portability is a loan feature that allows the borrower to take their existing loan to a new property. With loan portability, you can avoid paying break costs and other fees while keeping the same interest rate, features and structure of your current loan. While there are benefits, we would usually advise having a good review of your home loan when buying a new property. And of course, our Mortgage Broker Craigieburn team can help!

Let's take the next step - together

Our team has decades of home loan and finance experience behind us, which is why our clients trust us to find them the right deal. We would love to help you find a great loan for your next home!

As your local Mortgage Broker team, we service the areas of Craigieburn, Mill Park, Lalor, Thomastown and right across Melbourne. We can chat with you in-person or by phone or video chat.

Call Tim and the Mortgage Choice team on 0474 596 692 or click below to book an appointment.

Call: 0474 596 692 Book an appointment