What option is right for you

Renovate or Move

Be clear about where you are now, and where you want to be.

Planning Ahead

What are your current and future needs?

Setting out your short and long-term goals is the critical first step. Be clear about where you are now, and where you plan to be in five or 10 years.

Are you already in your dream location?

If you’re living in a location you love, it might be better to update and stay put, rather than selling in the hope of moving back later. It could come down to where your heart and finances are at. Only you know what will suit you.

Renovating

What’s the state of your current home?

Updating old homes can be costly and take some time. Look beyond the floor plan to check hidden elements like wiring, plastering and stumps.

We can help you from the beginning. Knowing the value of your property and how much you can borrow will give you a great start in helping you develop a budget.

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Time to Move

Can you turn your current home into an investment?

If your property is well located and you can afford to hold it, it may make financial sense to borrow against the equity of your existing property and use this as a deposit for your next home.

Consider if your new home or area has potential to grow. Does it meet all your current and near future needs?

What are the costs?

Weigh up all the costs of buying a new home beyond the property’s price, like stamp duty and conveyancing. Know the upfront costs of buying a house (link to stamp duty calculator)

BASIC LOAN REPAYMENTS

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HOW LONG TO REPAY

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HOW MUCH CAN I BORROW

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EXTRA REPAYMENTS

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