Two settlements, one clear plan
Buying and Selling at the Same Time? Upgrading or Downsizing? Timing Matters.
Your next move, carefully planned.
Moving to your next home is exciting, but it’s also more complex than buying your first. Coordinating a sale and a purchase, managing equity, and aligning settlement dates can quickly feel overwhelming.
That’s where strategy matters.
At Indigo Finance, we help you plan the move carefully, so your transition feels smooth, not stressful. Whether you’re upgrading for more space or downsizing for lifestyle, we guide you step by step with clarity and confidence.
WHAT next home OFTEN MEANS
Working out how much equity you can access
Coordinating settlement dates
Deciding whether to buy before you sell
Upsizing, downsizing or relocating
Managing two loans during the transition
Reviewing your borrowing capacity
Understanding whether bridging finance is right for you
Structuring your lending for the next chapter
Whatever your next move looks like, a well-planned lending strategy can make the journey smoother from start to finish.
WHY AN Indigo Lending Adviser IS THE BEST SOLUTION
When you’re buying and selling at the same time, timing and structure are everything.
Going directly to a bank means one perspective. Working with Indigo Finance gives you access to over 60 lenders and multiple strategies. We assess your equity position, compare options, structure your loan correctly, and help you coordinate timing between settlements, not just secure approval.
And there’s no cost to you; we’re paid directly by the lender you choose.
THE PROCESS OF managing your next purchase
This is a simplified overview of the journey when buying and selling at the same time. Each step requires coordination, strategy, and clear communication and our Lending Advisers and Client Services Team are with you throughout.
Step 1
Equity & Strategy Review
Step 1
Equity & Strategy Review
We assess your current home value, outstanding loan, and equity position to determine your borrowing capacity and available options.
Book a ChatStep 2
Pre-Approval for Your Next Home
Step 2
Pre-Approval for Your Next Home
We secure pre-approval based on your updated financial position, giving you clarity before making an offer.
Book a ChatStep 3
Sale & Purchase Coordination
Step 3
Sale & Purchase Coordination
We work alongside your agent and solicitor to help align timing and structure, whether that involves bridging finance, deposit bonds, or simultaneous settlement.
Book a ChatStep 4
Unconditional Approval
Step 4
Unconditional Approval
Once contracts are in place, we finalise approval and ensure everything is aligned for settlement.
Book a ChatStep 5
Settlement
Step 5
Settlement
Funds are coordinated, properties transfer, and your next chapter begins, without unnecessary financial stress.
Book a ChatBUYING BEFORE SELLING? Selling before buying?
Both strategies have pros and cons
Buying first may provide certainty on your next home but could require bridging finance. Selling first can reduce financial pressure but may require temporary accommodation.
The right approach depends on your risk tolerance, market conditions, and financial position, and we help you evaluate both clearly.
HOW MUCH can I borrow?
- Your current loan balance
- The value of your existing home
- Your income and commitments
- Whether you are retaining or selling your current property
Test out our calculators
- Loan Repayment Calculator
- Borrowing Capacity Calculator
- Home Loan Offset Calculator
- Stamp Duty Calculator
- Interest Only Mortgage Calculator
FINDING THE RIGHT next move
- Long-term lifestyle suitability
- School zones or transport access
- Maintenance and running costs
- Future resale value
- Whether this move aligns with your 5-10 year plans
Frequently asked questions
Will dealing with Indigo Finance cost me money? Are there fees?
Will dealing with Indigo Finance cost me money? Are there fees?
No. We’re paid directly by the lender you choose, so there is no cost to you for our service.
Can I buy before I sell?
Can I buy before I sell?
Yes, but it may involve bridging finance or specific structuring. We’ll assess whether this suits your position.
What is bridging finance?
What is bridging finance?
Bridging finance temporarily covers the gap between buying your new home and selling your current one.
Can I use equity as my deposit?
Can I use equity as my deposit?
Often, yes. If you have sufficient equity in your current home, it may reduce the need for cash savings.
What happens if my sale settlement is delayed?
What happens if my sale settlement is delayed?
This is why timing and structuring are critical. We plan for contingencies wherever possible.
Ready to make your next move?
Whether you’re upgrading, downsizing, or navigating buying and selling at the same time, timing matters.
Book a Discovery Call with an Indigo Lending Adviser and let’s plan your move with clarity.