08 8182 5555

Move into your next home with a clear finance plan

We help homeowners understand their equity, likely borrowing power and options for buying and selling in the right order.

  • Estimate available equity and purchase costs
  • Compare selling first, buying first and bridging options
  • Plan deposits and overlapping repayments
  • Coordinate finance and settlement milestones
08 8182 5555
Australian couple preparing to move into their next home
40+Lenders
EquityReview
MoveTiming
South Australian Owned Independent and local
Established in 1999 Decades of experience
Licensed credit provider Australian Credit License 385791
Bank + non-bank options Approved lender panel
Mortgage broker helping clients plan their next home move

Home loan help when you are moving house

Buying your next home can involve two properties, two contracts and two settlement dates. Before making an offer, understand how much usable equity you may have, what happens if your current home sells for less than expected and whether you could carry both loans for a period.

AAA Mortgage Solutions can model different scenarios and compare home loan structures suited to your planned move.

Buying before selling may involve bridging finance, while keeping your current home may require a review of suitable investment loan options. A refinance review can also help clarify available equity and whether the existing loan structure still suits your plans.

How a mortgage broker helps you buy your next home

  1. Understand your equity and budget

    We review your current loan, estimated property value, usable equity and the likely costs of your next move.

  2. Plan your buying and selling sequence

    We explain the options for selling first, buying first or using bridging finance and help you plan the timing.

  3. Compare your loan options

    We compare loan structures for your current and next property, including repayments, features and overall costs.

  4. Arrange your finance approval

    We prepare and manage your application, valuations and lender requirements for your proposed purchase.

  5. Coordinate your settlement

    We work with the lender and your conveyancer or solicitor to help keep your sale, purchase and finance dates aligned.

Options for your next move

01

Sell first

Selling first gives you more certainty about available funds, but you may need temporary accommodation or flexible settlement terms.

02

Buy first

Buying first can secure the home you want, but you need a clear plan for the deposit, overlapping debt and the risk of a slower or lower-priced sale.

03

Bridging finance

A bridging loan may help fund the new purchase before the old property sells. Eligibility, maximum terms, valuation assumptions and repayment rules vary by lender.

04

Use available equity

Usable equity may contribute to the deposit and costs for the new property, subject to valuation, serviceability and lender limits.

What home loan clients have to say

Real stories from people we helped make clearer, more confident loan decisions.

★★★★★

I will continue to pass Larry name onto who ever asks me.

Thank you, Larry Vallelonga

Once again Larry was more than helpful with our Mortgage inquiries. Larry is a very knowledgeable and very approachable man. Always makes you feel like you’re being heard and quickly actions your request going above and beyond. I will continue to pass Larry name onto who ever asks me for a good mortgage broker that’s for sure. Thank you as always for your time and effort Larry.

Terry and Sharon, Blakeview S.A. 5114

★★★★★

He is the best!

Kadine is great at what he does. He is the best!

Michael, Ridgehaven S.A. 5097

★★★★★

Neville saw it through right to the end.

Neville made the whole process very easy. He was always available for any issues. The whole process was delayed, but Neville saw it through right to the end. We are very happy with AAA and would highly recommend.

Thanks again Neville and Team.

John and Sandra, Younghusband S.A. 5238

★★★★★

Every step of the process seamless and stress-free

I would like to take a moment to thank Peyman for his incredible work as our broker. His professionalism and intelligence truly stood out.

This is not the first time I’ve worked with Peyman, and once again, he has exceeded my expectations. His attention to detail, strategic approach, and dedication make every step of the process seamless and stress-free.

I am extremely satisfied with Peyman’s services and highly recommend him to anyone in need of a skilled and trustworthy broker. Thank you, Peyman, for your hard work and support!

Omid, Salisbury East S.A. 5109

★★★★★

Would recommend them to anyone.

Warm friendly services and a pleasure to deal with. Would recommend them to anyone.

John and Gina, Fullarton S.A.

★★★★★

His thorough and efficient manner was impeccable.

Larry Vallelonga is a true professional in the field of mortgage broking. He guided me through the process of securing a loan in Queensland while navigating the challenging task of rules, regulations and requirements of loans for interstate purchases. Larry worked tirelessly to achieve a positive outcome for me until the settlement was finalised. His thorough and efficient manner was impeccable. I really appreciated Larry’s friendly and approachable manner and he was always contactable which is so important. I will definitely be recommending his services to family members, friends, colleagues and others

Kind regards

Christina, Birkenhead S.A. 5015

★★★★★

Always easy to contact.

Very happy with AAA Mortgage Solutions, Michael was great! Always easy to contact and prompt with his assistance.

Thanks!

Patrick and Karlee, Marleston S.A. 5033

★★★★★

Thank You, So much, I am really appreciative.

Thank You, So much, I am really appreciative.

Mohammad, Salisbury East S.A. 5109

★★★★★

Took a lot of the stress out of taking out a new loan.

The service provided was such that it took a lot of the stress out of taking out a new loan, and navigating your way through the process.

Skye, Hamilton VIC 3300

★★★★★

Very helpful

Matt’s service was excellent! He is a very nice & professional person to work with & was very helpful in every aspect of the loan application.

Kylie & Damien, Mannum S.A. 5238

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FAQs about buying your next home

Yes, if you can fund the deposit and meet the lender's requirements for the peak debt. Options may include savings, equity release or bridging finance.