Next Home Buyers
Our Next Home Buyer Services
At Thin Blue Home Loans, we view it as a huge success when we have clients return to ask for guidance on their next home purchase.
Moving to your next home often involves selling, buying, and financing all at once–which requires careful coordination.
We are here to help you assist with timelines, explore bridging loans, and structure your finances for a smooth transition
Our Next Home Buyer Services
At Thin Blue Home Loans, we view it as a huge success when we have clients return to ask for guidance on their next home purchase.
Moving to your next home often involves selling, buying, and financing all at once–which requires careful coordination.
We are here to help you assist with timelines, explore bridging loans, and structure your finances for a smooth transition
Why Choose Us For
Your Next Home Loan
Expert support for both common and complex scenarios
Bridging finance explained in plain English
Strategies to align settlement dates and avoid double stress.
Personalised planning for your growing needs
Frequently Asked Questions
What is bridging finance and how does it work?
It’s a short-term loan to cover buying before you sell. We’ll explain how it works and whether it’s the best option for your move.
Should I sell before I buy
It depends on your finances and market conditions-we’ll guide you. We’ll help you weigh the risks and benefits for your circumstances.
Can I keep my current home as an investment?
Yes, if you have enough equity and the ability to service both loans. We’ll calculate ifit’s feasible and set up the right loan structure.
What if my settlement dates don’t align?
We’ll help you explore your options and determine if bridging finance or other loan structures are suitable for you. This ensures you avoid double mortgage stress or rushed moves.
How much equity do I need to buy again?
Usually at least 20%, but options vary. We’ll assess your property’s value and borrowing power in detail.
Are there extra costs for second homes?
Yes, such as stamp duty and moving costs-we’ll outline them. Understanding all costs upfront helps you budget effectively
Can I avoid LMI this time?
Yes, if you have enough equity. We’ll confirm whether you meet lender requirements to skip this cost.
What’s the best loan structure for my family?
We’ll tailor one to suit your situation and goals. This could include offset accounts, fixed/variable splits, or redraw features.
Can I transfer my existing loan to the new home?
Possibly, if your lender allows loan portability. We’ll check if this saves you time and fees
How do I access my equity for a deposit?
Through a redraw or refinance-we’ll explain your options. This can help you secure your next property without selling assets.