Home Loan Rates
Interest Rate from:
5.09
Comparison Rate from:
5.17
QLD Broker of the Year
Next Home Loans Brisbane: Finance Your Move With a Clear Plan
MC Mortgage Solutions helps Brisbane homeowners finance their next property, whether you’re upsizing, downsizing, relocating or juggling a sale and purchase at once. We calculate your usable equity, compare bridging and standard finance options across 30+ lenders, and manage your loan from pre-approval through to settlement, at no cost to you.
- 25+ years of lending experience
- Access to 30+ banks and specialist lenders
- Free Brisbane mortgage broker service
- 189+ verified Google reviews
Who We Are - Your Next Home Finance Specialists in Brisbane
MC Mortgage Solutions has been arranging home finance from Manly, on Brisbane’s bayside, since 2007. We’ve guided hundreds of local homeowners through the exact problem you’re facing now: making two property transactions work together.
Our team brings 25 or more years of combined lending experience to your equity assessment, your sale and purchase timing, and your loan structure, not just a rate comparison.
We compare 30+ lenders so your existing bank is one option among many, and we hold a 5.0-star rating from 196 verified Google reviews from Brisbane homeowners we’ve already helped move.
How We Help You Finance Your Next Brisbane Home
Equity and Buying Power Assessment
We calculate how much of your current home's equity you can put toward your next deposit, before you start looking at properties.
Sell-First or Buy-First Strategy
We help you decide whether to sell before buying, buy before selling, or align both settlements, based on your equity and risk comfort.
Bridging Finance
For buyers who find their next home before their current one sells, we structure and compare bridging loans across our panel.
Refinance or Loan Portability
We compare refinancing to a new lender against keeping your current loan and porting it to your next property.
Keep and Rent Option
If you'd rather retain your current home as an investment, we assess your borrowing capacity to hold both loans.
Free Pre-Approval
Get pre-approved so you can make an offer or bid at auction with a confirmed budget.
Understanding Your Usable Equity
Equity is your property’s assessed value minus what you still owe. Usable equity is the portion a lender may let you access while keeping total borrowing within an acceptable loan-to-value ratio, generally around 80%.
This is a starting point, not an approval. Your lender still assesses income, expenses, liabilities and credit profile before confirming how much of that equity you can actually borrow against.
Buying Before You Sell With a Bridging Loan
A bridging loan covers the gap between settling on your next home and receiving proceeds from your current one. Two figures matter here.
Peak Debt
The highest amount owed while you hold both properties, typically your current mortgage balance plus funds for the new purchase, plus bridging interest and fees.
End Debt
The estimated balance remaining once your current property sells and the net proceeds reduce the bridging debt.
We calculate end debt against a realistic sale price, not the highest agent estimate, and check your position if the sale takes longer or comes in lower than expected. Not every lender offers bridging finance, and policy varies widely, so we compare it against selling-first and aligned-settlement options before recommending it.
What to Expect From Our Next Home Loan Process
Review Your Position
We assess your current property, mortgage, equity and moving goals.
Choose Your Strategy
We work out whether buying first, selling first, or aligning both settlements suits you.
Set Your Budget
We calculate your usable equity, net sale proceeds and real purchase costs.
Compare Lenders
We compare 30+ lenders for the loan structure that actually fits your move.
Arrange Pre-Approval
You get a confirmed budget before you make an offer or bid at auction.
Manage Both Settlements
We coordinate your sale and purchase together, right through to the keys.
Why Brisbane Home Movers Choose MC Mortgage Solutions
- 25+ years of lending experience, including complex next home and bridging scenarios
- 30+ lenders compared, so your existing bank is one option among many
- Free service, the lender pays our commission, not you
- One point of contact managing both your sale and your purchase
- 90% of our clients come from referrals
- 5.0 star rating from 196 verified Google reviews
- Local Brisbane bayside knowledge, with mobile and online appointments available
Talk to a Bayside Next Property Loan Specialist
Book a free, no-obligation chat, and we’ll tell you in one conversation which grants you qualify for and what you can borrow.
Service Areas We Serve Across Brisbane & Bayside
- Hemmant, QLD
- Tingalpa, QLD
- Wakerley, QLD
- Ransome QLD
- Thorneside QLD
Looking for the Best Mortgage Broker Near Me in Brisbane? Get Trusted Guidance.
- Mobile appointments across Brisbane and Bayside
- Free Mortgage and personalised loan guidance
- Trusted by 90 % referral clients
Reviews That Reflect Our Service and Results
Business Hours
Monday 8 am–5 pm
Tuesday 8 am–5 pm
Wednesday 8 am–5 pm
Thursday 8 am–5 pm
Friday 8 am–5 pm
Saturday 9 am–5 pm
Sunday 9 am–5 pm
Qualified, licensed & local
Ready to Make Your Next Move?
You’ve built the equity. Let’s turn it into a confirmed budget before you list or make an offer.
MC Mortgage Solutions compares 30+ Brisbane lenders and manages both sides of your move, your sale and your purchase, from pre-approval through to settlement, at no cost to you.
Our lenders
Frequently Asked Questions (FAQs)
Depends on your equity, risk tolerance and how quickly the current market is moving. Selling first gives certainty on budget. Buying first avoids a sale deadline but usually needs strong equity or bridging finance.
Often, yes, subject to valuation, serviceability and loan-to-value requirements. Usually involves a loan increase, separate split, refinance or bridging facility.
It covers the gap between settling on your next home and receiving proceeds from your current one, typically over 6 to 12 months. Interest usually accrues during that period even without regular repayments.
It can be repaid from the sale, refinanced to a new lender, or kept through an approved security substitution if you’re not selling straight away.
Possibly, if the lender is satisfied you can service both loans. Lenders typically count only part of expected rent toward borrowing capacity, and vacancy periods and tax treatment need consideration.
Generally yes. A Queensland home concession may reduce it if the new property becomes your principal place of residence and eligibility conditions are met.
5 business days after you receive the signed contract, with a 0.25% termination penalty if you withdraw. Doesn’t apply to auction purchases.
MC Mortgage Solutions is an award-winning Brisbane Mortgage Broker for home loans, refinancing, and investment lending across Brisbane, QLD. Your local finance support whenever you need a mortgage broker near me.
Get In Touch
- 138 Kingsley Tce, Manly, Queensland 4179 Call 1300 633 667
- [email protected]
- Call Now - 1300 633 667
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Working Hours
Mon - Fri : 8 am–5 pm
Sat - Sun : 9 am–5 pm
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