Your next move, made simple

Whether you're upgrading, relocating, or chasing lifestyle change, we help you finance your second home without the stress — even if you're still selling your first.

How we make your next home purchase easier

Buying a second home can be trickier than the first. We make the finance side smooth — so you can focus on what comes next.

Tailored advice on timing and structure

Whether you’re overlapping properties, selling subject to purchase, or building new — we help sequence it right and avoid bottlenecks.

Clarity on what you can afford — before you commit

We model your loan options based on possible sale proceeds, purchase price ranges, and contingencies — so you move forward with confidence.

Buy before you sell with bridging support

Need to move fast before your current place sells? We structure temporary finance that gives you breathing room — not panic.

Options for second-home buyers with existing loans

We assess your equity, serviceability, and existing commitments — and bring in the right lender for your evolving needs.

Use our mortgage calculator to see what’s possible.

Get an estimate of your repayments in seconds — and turn rough numbers into a real plan with expert support.

FAQs about buying a second home

Do I need to sell my current home before buying a new one?

Not always. With the right bridging loan, you can buy first, then sell — giving you more control and less pressure. We’ll help assess whether it’s the right move for your situation.

Can I use equity from my current home as the deposit?

Yes. If you’ve built up equity in your first property, you can often use it as a deposit on your second — either via top-up or cross-collateralised lending. We’ll structure it to suit your plans.

What if I haven’t found a place to buy yet?

No problem. We can help get you conditionally pre-approved, so when the right opportunity comes, you’re ready to act — and know your financial position upfront.

We work with trusted bank and non-bank lenders

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With over $1.5 billion in lending, and more than 20 years empowering homeowners, developers, and investors to achieve their goals.

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Thinking about your next move? Let’s make it happen.

Book a free consultation with a Luminate adviser — we’ll help you model the numbers, line up your loan options, and plan your next step with confidence.

Market & interest rate updates

More home loan offerings

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Build a new home

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Build your wealth through property investment

From first-time investors to seasoned landlords, we shape lending solutions around your goals, income, and long-term plans.