• hello@valourfinancial.com.au
  • 0437 453 518
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NEXT HOME LOAN

  • Next Home Loan

Ready for your next home?

You have owned before. We help you make your next move without the stress.

Buying your next home involves more moving parts than buying your first home. You need to manage the sale of your current property, the purchase of your next one, and make sure the finance is structured so you are not caught between the two.

We help essential workers across regional Australia navigate this process. From bridging options to simultaneous settlement strategies, we find the approach that works for your situation and timeline.

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  • What We Help With

How we support your move up

Equity Assessment

Assessing your equity position and what it means for your next purchase

Settlement Strategy

Comparing simultaneous settlement vs bridging finance options

Structuring

Structuring the loan on your new property to suit your income and goals

Full Coordination

Coordinating with your conveyancer and real estate agent to keep things on track

LMI Waivers

Accessing LMI waivers where eligible on your next purchase

Rate Review

Rate and structure review on your existing loan as part of the process

  • Bridging Finance

What is bridging finance?

Bridging finance is a short-term loan that covers the gap between buying your next home and selling your current one. It lets you move forward on a purchase before your existing property has settled, so you do not miss out on the right home while waiting for your sale to complete.
  • How It Works
A bridging loan combines your existing mortgage and the new purchase into one facility for a set period, typically up to 12 months. Once your current property sells, the proceeds pay down the bridging loan and you roll into a standard loan on the new property.
  • When Bridging Finance Makes Sense
  • You have found the right home and cannot wait for your current property to sell
  • Your sale and purchase settlements cannot be aligned
  • You want to move into your new home before listing your current one
  • You have sufficient equity in your current property to support the bridging period
  • What to Be Aware Of
  • Bridging loans are typically interest only during the bridging period
  • Interest can capitalise if your property has not sold, increasing the total cost
  • Lenders assess your ability to service both loans during the bridging period
  • Not all lenders offer bridging finance and policies vary significantly
We assess whether bridging finance is the right approach for your situation or whether a simultaneous settlement strategy achieves the same outcome with less complexity. Not every upsizer needs bridging finance and we will tell you honestly which path suits you best.
  • How It Works

Three steps to your result

  • Step One

Free call

Free call to understand your current property, equity position and what you want to move into.

01

  • Step Two

We map it out

We assess your options including bridging finance and simultaneous settlement and map out the right transition strategy.

02

  • Step Three

End to end

We manage the finance end to end, coordinating with all parties through to settlement.

03

Ready to find out what you qualify for?

It costs nothing to find out. Book a call with Michael and get a straight answer about your options.
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Valour means courage. Strength in the face of danger. The willingness to show up, no matter the circumstances.
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Our Service

Contact Us

Phone

0437 453 518

Email

hello@valourfinancial.com.au

Location

Regional Victoria (clients across regional Australia)

Valour Financial | Michael Nalesnyik | Credit Representative of Loan Market Pty Ltd | Australian Credit Licence 390222 | General information only. This is not personal financial advice. Normal lending criteria apply. Fees and charges may apply. Subject to lender approval. Rates subject to change.
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