UPSIZING, DOWNSIZING OR RELOCATING UNION MEMBERS & FAMILY
Found your next home, before you've sold yours?
There may be a way to buy it now, without rushing the sale of the home you’re in. Free, friendly mortgage help from people who work for you, not the bank.
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WE HEAR IT ALL THE TIMEThe one that got away.
The perfect home comes onto the market. But because their current place hasn't sold yet, someone else buys it first.
Buying and selling at the same time is one of the most stressful parts of moving. What if you find the right home, but your existing property still hasn’t sold?
Do you risk missing out? Or rush into a lower offer on the home you’re selling, just to make the timing line up?
The good news is there may be another option.
THE OPTION A LOT OF PEOPLE DON'T KNOW ABOUTBuy your next home before you sell this one.
Through Union Shopper Finance, eligible buyers may be able to access finance that funds the purchase of their next home before the current one is sold. These solutions are commonly known as bridging loans.
Move when the right home appears
Secure your next property when you find It, rather than making your offer conditional on first selling your own home.
Interest you may not pay monthly
During the bridging period, interest is often added to the loan balance instead of being paid each month, which can ease. cash flow while you transition.
Time to sell properly
A short window, usually up to twelve months, gives you room to sell your current home well rather than accepting the first low offer..
No awkward rental gap
You avoid selling first and then scrambling for somewhere to live while you search for the next place.
The numbers modelled first
We work through your combined borrowing and your end position before you commit, so there are no surprises down the track.
Not right for everyone
Like all finance, this isn’t one size fits all. We take the time to work out whether it actually suits your situation.
WHO IT SUITSIf a move is on the cards, it's worth a conversation.
If you haven’t yet sold your existing property and you’re thinking about any of these, it’s well worth talking to the team.
Upsizing
Making room for a growing family.
Downsizing
Simplifying life and freeing up equity.
Relocating
Moving for work or a fresh start.
Simply moving
On to your next home, whatever the reason.
Upsizing
Making room for a growing family.
Downsizing
Simplifying life and freeing up equity.
Relocating
Moving for work or a fresh start.
Simply moving
On to your next home, whatever the reason.
HOW IT WORKSFrom "what are my options?" to keys in hand.
We do the heavy lifting and explain every step in plain English.
No awkward rental gap
You avoid selling first and then scrambling for somewhere to live while you search for the next place.
The numbers modelled first
We work through your combined borrowing and your end position before you commit, so there are no surprises down the track.
Not right for everyone
Like all finance, this isn’t one size fits all. We take the time to work out whether it actually suits your situation.
1
We get to know you
A relaxed chat about your goals, your numbers and your timeline. Online or in person.
2
We model the numbers
We work out your combined borrowing across both homes and what your loan looks like once the sale is done.
3
We compare lenders
Not every lender offers bridging finance. We find the ones that suit your situation and bring back a short list.
4
We settle your new home
The finance funds your purchase. You hold both properties for a short period while your sale completes.
5
Your sale clears the gap
When your existing home sells, the proceeds pay down the debt, leaving the loan on your new home alone.
1
We get to know you
A relaxed chat about your goals, your numbers and your timeline. Online or in person.
2
We model the numbers
We work out your combined borrowing across both homes and what your loan looks like once the sale is done.
3
We compare lenders
Not every lender offers bridging finance. We find the ones that suit your situation and bring back a short list.
4
We settle your new home
The finance funds your purchase. You hold both properties for a short period while your sale completes.
5
Your sale clears the gap
When your existing home sells, the proceeds pay down the debt, leaving the loan on your new home alone.
IS IT RIGHT FOR YOU?When bridging finance tends to make sense.
You own a home, have found your next property and want to buy without waiting for your current one to sell first.
Your existing property is well located and in good condition, with a realistic estimate of what it will sell for and how quickly.
You're comfortable carrying the combined borrowing for a short period, or the interest can be added to the loan in a way that works for you.
You've talked to your agent about likely price and timeline and feel confident about the sale.
Not sure if it fits?
That’s exactly why the call exists. Every situation is different. We’ll talk it through, explain your options and help you decide what may work best, before you decide you have to sell first.
We're here to help. Contact us
Union Shopper
1300 760 688
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