UPGRADERS · NEXT HOME
Owner occupier loans
Buy first or sell first, we map the numbers and sort the timing
Talk to a broker$2bn
Settled
5,500+
Clients
50+
Lenders
5.0
350+ reviews
Meet your specialist
Sergio Stefano
CEO & Head Broker
Sergio founded Brokerage & Co believing people deserved more than transactional finance. As FBAA State President for SA and NT, he also works to raise industry standards.
The family's grown, the house hasn't, and suddenly everyone's fighting over the one good bathroom! Moving up sounds simple until you hit the real question: buy first or sell first, and how do you bridge the gap without losing sleep?
That's where we come in. We'll review the numbers, sort the timing, and line up finance that works whether you buy or sell first.
You've outgrown the old place. We're in your corner, helping you into the one that fits.
Should I buy first or sell first?
Both paths work, and they carry different risks and different finance structures. We run both scenarios with real numbers, so the choice is deliberate rather than forced by timing.
What is bridging finance?
Short-term lending that covers the gap between buying the new home and settling the old one. It suits some moves brilliantly and others not at all, so we show you the costs and time limits before you decide.
Can I keep my old home as an investment?
Sometimes, and it changes the whole structure: equity, rental assessment and tax considerations all come into play. Worth mapping with us and your accountant before you sell by default.
Our clients’ stories
What happens when you reach out
- 1
The conversation: 15 minutes on your goals, income and timeline, and you leave knowing where you stand.
- 2
The plan: your borrowing range, the right structure and what to do next, in plain English.
- 3
The application: packaged properly across 50+ lenders and managed through to approval.
- 4
Settlement and beyond: we stay with you after the keys, reviewing the loan as rates and life change.
“Service like no other! I've never had a mortgage broker so on the ball. Great advice, friendly and professional.”
“Told him about a complicated financing scenario. He told us step by step the best way to proceed. I'd recommend him to anyone!”
“Outstanding service. No question was too much and no call was ever a bother. His response time reflected his work ethic.”
“Always extremely responsive and willing to go that extra yard. I could not recommend his service enough.”
Get in touch
Tell us where you’re headed
Start the conversation
Run your own numbers
Worth knowing
Should I buy first or sell first?
Both paths work; they carry different risks and different finance structures, including bridging options. The honest answer depends on your market, your equity and your appetite for overlap. We map both scenarios with real numbers so you choose deliberately.
What is bridging finance?
Short-term lending that covers the gap between buying the new home and settling the sale of the old one. It has real costs and real time limits, and it suits some moves brilliantly and others not at all. General information only.
Can I keep the old home as an investment?
Sometimes, and it changes the whole structure: equity, rental assessment and tax considerations all come into play. Worth exploring with us and your accountant before you sell by default.
What does your service cost?
Nothing. Some brokers charge for their advice; we expressly do not. Lenders pay us on settlement, disclosed up front.
In your corner
Tell us what you're working toward and we will map the path. 1300 941 446, or book a time that suits.