Moving home made simple
Moving to your next home involves selling, buying, equity access, and timing, all happening at once. Here's the path, step by step.
Understand your options
Every move starts with a plan. Whether you're upsizing, downsizing or relocating, we'll help you understand your equity, borrowing power and the different ways you can make the move.
For educational purposes only. Open the full calculator for more detail.
Choose the right approach
There's no one-size-fits-all way to move home. We'll recommend the approach that best suits your finances, timeline and goals.
Buy before you sell
If you've found your next home first, we'll explain whether bridging finance or another solution is right for you.
Sell before you buy
Understand your budget and be ready to move once your current home is sold.
Buy and sell together
Coordinate both transactions to help make settlement as smooth as possible.
Downsize with a plan
Whether you're reducing debt, freeing up equity or simplifying your lifestyle, we'll help structure the finance around your next chapter.
We keep everything moving
Moving home often means juggling lenders, agents, conveyancers and settlement dates. We coordinate the finance from start to finish, keeping everyone aligned and you informed along the way.
What our clients say
From upsizing and downsizing to relocating across Australia, here's what our clients say about working with koala financial.
“Scott has been incredibly helpful and ran such a smooth process. Genuinely wants the best for his customers. Thanks Scott”
Next home questions, answered
Answers to the questions we hear most from homeowners planning their next move.
What is bridging finance?
How much can I borrow for my next home?
Can I use my current home's equity as the deposit?
Should I sell my home before buying the next one?
Does downsizing mean I won't need a loan?
Last updated: July 2026
This page is general information only. It doesn't take into account your objectives, financial situation or needs, and it isn't credit, financial or tax advice. Figures are indicative estimates that vary by lender, state and property and can change, so we confirm your real numbers before you act. For tax questions, speak to a registered tax agent or accountant. Scott Lung, credit representative 567904 of Purple Circle Financial Services Pty Ltd (Australian Credit Licence 486112).
Ready to make your move?
Book a free discovery call with Scott. We'll work out your equity, your borrowing capacity, and the best way to get you into your next home.