Sometimes the right move is only a few suburbs away.
For a couple in their late twenties with two young children, moving from Lammermoor to Pacific Heights meant settling into a home they loved, inside the school catchment they wanted for their kids. This application was all about how can they refinance and move into the next home.
They already owned their home in Lammermoor, so their first question was a practical one. How could they buy the next home while still selling the current one?
Making a plan for buying and selling
When they came to me, we talked through how buying a property subject to the sale of their existing home could work for them.
It’s a really common situation. Running a sale and a purchase at the same time can feel like a lot, but with a clear plan and the right people working together, it becomes much easier to manage. Sometimes the next purchase is straightforward, sometimes you need Bridging. If you’re in the same position, our Buying Your Next Home page walks through how we approach it.
For this family, the plan came together quickly.
They prepared their Lammermoor home for sale and got it under contract. Meanwhile, they found their next home in Pacific Heights and secured it on a contract subject to the sale of their existing property.
The two homes were roughly the same price. This move wasn’t about upsizing. It was about finding a home and a location that suited the next stage of family life.
Finding lending that suited their new home
The move was also a good chance to look at their lending.
Their existing loan wasn’t as sharp as it could have been, either on rate or on how the banking was set up, so we compared other options together.
Several lenders came back with more competitive pricing, full offset facilities and a banking app that matched how the couple like to manage their money day to day. You can read more about how we review existing loans on our Refinancing page.
From there we chose their new lender and worked through the finance for the Pacific Heights purchase, keeping everything lined up with the sale of the Lammermoor home.
Two settlements, one moving day
With both properties under contract, the focus shifted to bringing everything together for settlement.
I worked with both conveyancers to coordinate the lending and settlement arrangements, so the sale of their existing home and the purchase of their new one were booked for the same day.
When settlement day arrived, it all ran smoothly. The Lammermoor property settled, the new home loan settled for the Pacific Heights purchase, and they had the keys to start their next chapter.
Settled into life on the northern side
The family has now moved in, and the kids are making the most of the pool.
It’s lovely to see a plan come together, especially when it helps a young family land in the spot they’ve been hoping for. This article was written by Talia Ryan for The Broker Society. You can meet Talia on our Meet the Team page.
If you’re thinking about selling your home and buying another in Yeppoon or anywhere along the Capricorn Coast, you don’t need every step worked out before you get in touch. We can talk through your options and build a plan around what you want to achieve. Find out more about working with us as your Yeppoon mortgage broker, or make an appointment when you’re ready.
