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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Read, watch & listen to insights
First Home
Buyers Guide
Development
Finance Guide
Bridging Finance
Made Simple
Self Employed
Borrowing Guide
Investors
Memorandum
What our clients are saying
We needed funding within days to secure a development site. The banks said no—Luminate said yes. Funds landed within 48 hours and we didn’t miss the deal.
Mike T.
As a self-employed couple, we were getting knocked back left and right. Luminate understood our situation and structured a mortgage that worked. Game-changer.
Andrea & Tim D.
My bank gave me the runaround for months. Luminate had my loan approved in a week—even with a tricky credit history. Can’t thank them enough.
Lucy M.
Trent and Farea - you rocked it :). It was the easiest and the best first home mortgage advice/transaction we have ever had. Farea Khan went above and beyond.
Jashnil K.
We contacted them with the feeling was “give it a try, but no hope”. And now we are sitting on our couch in our living room in our new house and waiting for Christmas.
Marita H.
Total rock stars and know the financing game inside out - extreme professionalism, high level contacts, and a true understanding of the numbers.
Kesh M.
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
Buying your first home
Luminate gets you the best loan terms, handles bank negotiations, and guides your wealth-building journey with expert advice.
Refinance your home loan
Refinance your home loan for better rates. Adapt to market changes, lower payments, and save big over time. Boost cash flow with Luminate’s expert guidance.
Build a new home
Building a home? Luminate secures construction loans, navigates lender challenges, and tailors terms to fit your budget and timeline.
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.
