First home buyers
Pre-approval, government schemes, deposit options and a plan that gets you to the keys with no surprises.
First home buyers Your Next Home
Moving up, moving on, or moving closer.
Buying your next home means juggling a sale, a purchase and two sets of timing. I'll help you choose the right sequence and structure so you're not caught between properties.
How we plan the move
Clear steps, one person, no surprises.
- Buy first or sell first?We weigh certainty, cost and the local market to choose the order that suits you.
- Your equity, worked outWhat your current home could release towards the next deposit and costs.
- Bridging if neededShort-term finance to cover the gap between buying and selling, with the risks explained.
- One clean structureThe new loan set up properly, including offset and split options.
What we'll cover.
The details that make the difference, checked before you commit.
- Equity releaseUsing your current home to fund the next one.
- Bridging financeWhen it makes sense and when it does not.
- Porting your loanWhether your current loan can move with you.
- Break costsChecked upfront if any part of your loan is fixed.
40+ lenders. One conversation.
Major banks, regional banks and specialist lenders. I compare them for you, so you don't have to.
Client reviews
She is efficient, attentive to details, follows through closely with impeccable coordination… Jenny has also proactively negotiated for lower rates when the interest rate was falling back then without me asking.
She made my first home purchase so easy and stress-free! … She will definitely be my first and last broker manager for all the future properties!
We had a great experience of refinance our home loan with Circle Finance… This was our second time dealing with them. I would give Circle Finance more than Five Stars.
Questions I'm often asked.
Can I buy before I sell?
Often, using bridging finance or equity in your current home. It adds cost and risk if the sale takes longer, so we plan for that before you commit.
Will I pay break costs?
If part of your loan is fixed, ending it early can trigger a break cost. I check this before we decide on a structure.
Can I keep my current home as an investment?
Possibly. Lenders will assess both loans and the rental income. Structure matters for tax, so speak to your accountant too.
Worth a read.
Mortgage basics: how a home loan works
A plain-English guide to how a home loan works: principal, interest, loan term, repayment types, LVR, deposit, fees and the steps to settlement.
Offset accounts: how they reduce your home loan interest
How a mortgage offset account works, an illustrative example of the interest it can save, how it compares with redraw and the fees to weigh up.
Split loans: combining a fixed and variable home loan
How a split home loan works, the pros and cons of fixed and variable portions, and how extra repayments and offset accounts fit in.
Other home loan help.
Refinancing
A better rate, an offset account, consolidating debt or releasing equity. I compare the full cost of switching, not just the headline rate.
RefinancingProperty investment
Loan structures that keep investment and personal debt clean, and set you up for the next purchase.
Investment loansConstruction & renovation
Progress-payment loans for building or major renovations, managed stage by stage with your builder.
Construction loansTell me what you're planning. I'll be in touch soon.
Send me an enquiry and I'll get back to you as soon as possible.
Start your enquiry Or call me directly0421 066 065Home loans are subject to the lender's credit assessment and eligibility criteria. Government scheme eligibility criteria apply.