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YOUR NEXT CHAPTER

More room for life. A plan for the move.

Moving from one home to another brings two sets of decisions together. A simple plan can help you discuss the purchase, the sale and what happens between them.

Let’s talk about your plans Call 02 8598 8548

01

Sketch the move before choosing the loan

Write down your preferred order: sell first, buy first, or explore both. Add any dates that matter to your household, such as a lease ending or a planned change at work. These are conversation starters rather than a commitment to a particular strategy.

Ask TSA which finance questions need answering for each option. Discuss contract and settlement arrangements with your solicitor or conveyancer. If the timing changes, revisit the plan before relying on earlier figures.

02

Separate estimates from confirmed amounts

Make two columns in your notes. One holds confirmed information, such as your current loan balance. The other holds estimates, such as a possible sale price or moving costs. Mark who will help verify each estimate.

  • Current loan balance and any costs of closing it.
  • Expected sale proceeds after selling costs and debt repayment.
  • Funds needed for the new purchase and associated expenses.
  • Money you want to keep available after settlement.

Your broker can help you explore the lending side. Property valuation, sale price and loan approval are separate questions; avoid treating one as confirmation of another.

03

Look beyond the extra bedroom

Use the inspection as a chance to ask about the property as well as picture your life there. Arrange suitable property checks with qualified professionals. If you are considering renovations, distinguish work you would do straight away from plans for later.

For strata property, investigate the scheme and ownership costs. For proposed changes to a home, check the planning information for the actual address. A suburb name or a nearby renovation does not establish what can be done on a particular property.

04

Bring a short brief to TSA

Tell us where you live now, where you hope to move and your preferred timing. A list of the questions you have not resolved is useful too. We can help you work through borrowing options and identify which parts of the finance plan need a closer look.

The first step can be a conversation, even if your next home is still only an idea.

KEEP EXPLORING

Home-loan help, closer to home.

2120Thornleigh2120Pennant Hills2077Hornsby

NO QUESTION IS TOO SMALL

A little clarity
goes a long way.

New to home loans? You’re in the right place.

Do I need to be ready to apply?

No. You can start with a conversation about your goals, savings and timeframe. We’ll help you understand what to consider before applying.

Is there a cost to speak with you?

An initial conversation costs nothing. Generally, TSA does not charge for credit assistance, although a fee may apply in some situations. Any fee for our service will be explained in a Credit Quote before you proceed. Lender and other third-party fees may also apply.

Can you check my existing home loan?

Yes. We can review your rate, features, fees and loan structure, then discuss whether keeping your current loan or refinancing may suit your circumstances. We consider switching costs as part of that conversation.

What if I’m self-employed?

Tell us how your business and income work. We’ll explain the documents lenders may require and explore options based on your situation. All lending remains subject to lender assessment.

What should I bring to our first chat?

A rough idea of your income, savings, regular expenses, debts and plans is a useful start. You don’t need to have all your paperwork ready. We’ll explain what’s needed as we go.

A FRIENDLY FIRST CONVERSATION

Let’s talk about
your next move.

Share the basics. We’ll talk through your plans and the next steps together.

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Start a home loan enquiry.

Ask us about your next home. We’ll talk through the rest.

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