next home loan.
Buy the next one,
keep the first.
Invest, pick up a second home, or renovate where you are. The equity in your current home can do most of the work, and our help is free for union members and their families.
- Free for members
- 60+ lenders compared
- Local Brisbane team
$0 cost to menbers
60+ lenders compared
1 broker, start to finish
where to next
Three ways to put your equity to work.
You have built up real value in your home. Here is what it can turn into, without selling the place you are in.
Invest
Buy an investment property and let the rent help carry the loan. We structure it to work as an investment, not just another mortgage.
Second home
A holiday place, a city base, or a home for family. Keep the one you are in and add the next to your name.
Renovate
Extend, update, or finally do the big reno. Fund it through the equity you already have instead of starting from scratch.
Upgrade
Ready for more space? Buy your next home and choose whether to keep your current property as an investment or sell it to help fund the move.
HOW IT WORKS
From first chat to funds ready.
Four clear steps. You always know what is happening and what comes next, while we do the heavy lifting in between.
1
Quick chat
We start with a conversation about your goals. Whether you’re investing, renovating, upgrading, or buying again, we’ll get a clear picture of your current loan, equity, and next steps.
2
Gather some paperwork
We’ll let you know exactly what we need and help you gather the paperwork. No guesswork, just a simple checklist to get everything moving.
3
We do the hard work
We compare 60+ lenders, assess your options, and do all the research to find the solution that best suits your goals and financial position.
4
Your game plan
We present a clear recommendation and walk you through your options. You’ll know exactly what the strategy is, why it works, and what happens next.
5
Get approved
Once you’re happy to proceed, we handle the application, paperwork, and lender communication through to approval, settlement, and getting the funds where they need to be.
WHY MEMBERS COME BACK
On your side, not the bank's.
We work for you, not for any one lender. That changes everything about the advice you get on your next move.
Free for members
Our service costs you nothing. It is a member benefit, plain and simple.
60+ lenders, one search
We compare a wide panel in one go so you see real options, not just your current bank’s offer.
Straight answers
No spin. We tell you what we would do if it were our own equity on the line.
Structure that fits
Investment, second home or reno all sit differently. We match the loan to what you are actually doing.
Local and on hand
Based in Newmarket and across the Brisbane market. Real people you can sit down with.
Nothing on your credit file
A chat is just a chat. Nothing touches your credit file until you decide to go ahead.
BOOK A FREE CHAT
Grab a time that
suits you.
Pick a slot and a local broker will give you a no pressure call. About 30 minutes, and you will come away knowing your real options.
- Free for members
- No obligation
- Nothing on your credit file
Prefer to talk now? Call 1300 760 688
GOOD TO KNOW
Questions, answered straight.
Do I have to sell my current home?
Not always. Depending on your equity and borrowing capacity, you may be able to keep your current home as an investment while purchasing your next property. If selling is the better option, we’ll explain why and help you choose the path that suits your goals.
How much can I borrow on top of my existing mortgage?
It depends on your available equity, income, existing loan, and lending criteria. We’ll assess your position and show you exactly what you can comfortably borrow before you make any decisions.
Investment or second home, what is the difference?
An investment property is purchased to generate rental income or long-term growth, while a second home is typically for your own use, such as a holiday home or city apartment. The finance structure and lending requirements can differ, and we’ll help you understand which option is right for you.
Can I fund a renovation through my loan?
In many cases, yes. If you have enough equity in your home, you may be able to access funds to renovate without taking out a separate personal loan. We’ll help you understand what’s possible and structure it the right way.
Is this really free?
Yes. Our advice and loan comparison service comes at no cost to you. We are paid by the lender once your loan settles, so you receive expert guidance without paying additional fees.
Who can use this service?
Our service is designed for homeowners looking to make the most of their equity. Whether you’re buying an investment property, upgrading to a larger home, purchasing a second property, or renovating, we’re here to help.
Will talking to you affect my credit score?
No. Your initial conversation and assessment won’t affect your credit score. We only submit a loan application after you’ve decided to proceed, and we’ll explain every step before anything is lodged.
Your next move starts with a chat.
Book a free, no pressure conversation with a local broker who will give it to you straight.
Or call 1300 760 688
We're here to help. Contact us
Union Shopper
1300 760 688
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