Home Lending
Buying and selling at the same time is a sequencing problem as much as a lending one. We structure the finance so the move happens on your terms.
Who this is for
Worth weighing
How Ascent helps
Your usable equity assessed up front, so the budget is real before the searching starts.
Finance sequenced with your agent and conveyancer so settlement dates work together.
The numbers for selling versus keeping the current home as an investment, laid out side by side.
The process
A no-obligation discussion about where you are and where you’re going — in person in Melbourne, or online.
Your full picture gathered once, options compared across the panel, and a clear plain-English proposal: the loan, the structure, the costs, and why.
We prepare, submit and manage the application, handle lender requests, and keep you informed at every stage.
Coordination through to settlement, then ongoing reviews so the loan keeps earning its place.
Lending is subject to eligibility, lender criteria and credit assessment.
Paperwork
Don’t worry if something’s missing — we’ll work through it together.
Questions
Often, yes. Lenders will typically let you borrow against the equity in an existing property to fund the deposit on the next one, subject to overall serviceability and valuation. How much is usable depends on lending limits against the current property’s value.
There is no universal answer — selling first gives certainty of funds; buying first avoids missing the right home but can require bridging arrangements. We model both paths for your numbers so you can decide with clarity. General information only; your circumstances will drive the answer.
Depending on the lender and product, loans can sometimes be “ported” to a new property, or discharged and replaced. Costs and timing differ — we compare both against the market before recommending anything.
Information on this page is general in nature and does not take your objectives, financial situation or needs into account. Lending is subject to eligibility, lender criteria and credit assessment. Terms, conditions, fees and charges apply.
Enquire
A conversation now saves scrambling later.