General Home Loans.
Buying your next home.
Buying your next home, without the runaround.
Buying again should feel easier than the first time. But in reality, it often comes with more moving parts.
Selling your current place. Buying the next one. Timing it right. Understanding what you can borrow now, not what you could years ago.
That’s where Dandy comes in.
You don’t need to have it all mapped out before you get in touch. You just need a clear plan.
Making your next move simpler.
Buying your next home isn’t just a repeat of your first.
You might be:
Upgrading to something bigger
Relocating for work or lifestyle
Downsizing
Buying before you sell, or selling first
Each option comes with different considerations.
We’ll help you understand what’s possible, what makes sense for your situation, and how to move forward with confidence.
What to think about this time around
There are a few key things that tend to matter more when you’re buying your next home.
Your current loan
What is working well with your current loan? And what isn’t? Are there features you wish you had?
Timing your sale and purchase
Buying and selling at the same time can feel complex. We’ll help you understand your options and how to manage the transition.
Your borrowing capacity now
Your financial position may have changed since your first home. We’ll reassess what you can comfortably afford today.
We’ll walk you through all of this in plain English, so you can make decisions without second-guessing.
The process:
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1. Let's chat
We'll start with a conversation about your goals, answer your questions, and understand your situation. We’ll also get you to complete a questionnaire via email.
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2. Review options
We’ll shortlist up to three loan options for you to review. These will be based on the best rates, fee structure, facilities (such as redraw/offsets), and other factors to your circumstances. We can talk these through, and you can ask any questions.
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3. Apply for loan
Once you've chosen an option, we'll handle the application and work directly with the lender on your behalf. You’ll need to provide ID, payslips and other documentation.
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4. Pre-approval
If the bank approves our application, you'll be granted pre-approval for your loan. You can make an offer on a home with confidence, or even bid at an auction.
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5. Approval & Settlement
Once you’ve found your home, we work with your lender to make it all official. We’ll make sure your deposit is paid and your conveyancer has all the details for settlement.
FAQs.
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Yes, in some cases.
There are options that allow you to buy before you sell, depending on your equity, borrowing capacity and risk tolerance. We’ll help you understand what’s possible and what’s safest for your situation.
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Often, yes.
If your property has increased in value, you may be able to use that equity toward your next purchase. We’ll calculate how much is available and how to use it effectively.
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Not always.
Sometimes it makes sense to keep your current loan, sometimes to restructure it, and sometimes to switch lenders entirely. We’ll guide you through the best option for your situation.
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Your borrowing capacity may have changed since your first purchase.
We’ll reassess your income, expenses and equity to give you a clear understanding of your budget.
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There’s no one right answer. It depends on your financial position and your comfort with risk.
We’ll help you map out a clear plan so you understand your options and timing.
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No.
With Dandy, you’ll deal with the same person from your first question through to long after settlement.
Contact Dandy.
Fill out some info and we’ll be in touch shortly. Alternatively book a call or call Dandy directly on 0432 483 685.
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