Move First Finance › How can I buy before I sell my current home?

How can I buy before I sell my current home?

The two main ways are bridging finance, which funds the new purchase until your old home sells, or using your equity with a longer settlement on the new home. Which fits depends on your equity, timing, and lender.

Written by Ross McFarlane, Licensed Mortgage Broker (Credit Representative 526725). About the author

Why this matters

Buying first is appealing when the right home appears before you have sold, but it needs careful structuring. Bridging finance is the common route, lending across both homes briefly. Sometimes a long settlement or a deposit using equity can achieve a similar result with less cost. A broker can compare the options against your equity and timeline.

The key points

Bridging finance funds the new purchase first.
Equity plus a long settlement can sometimes work.
The right route depends on equity and timing.
Structuring it carefully matters.

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Last reviewed: June 2026

General information only. This page provides general information about home loans and is not financial or credit advice, a quote, or a guarantee, and your personal circumstances have not been considered. Lending policies, interest rates, fees and eligibility vary by lender and change over time. Always confirm your own situation with a licensed mortgage broker or lender before acting. Ross McFarlane (Credit Representative 526725) is an authorised Credit Representative of Australian Associated Advisers Pty Ltd t/a Keylend, Australian Credit Licence 392169.