QLD Broker of the YearNext 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.
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 190 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% when considering Home Loans Brisbane.
| Example Only (Indicative) | Amount |
|---|---|
| Current property valuation | $900,000 |
| 80% of valuation | $720,000 |
| Current mortgage balance | $430,000 |
| Indicative usable equity | $290,000 |
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.
Reviews That Reflect Our Service and Results
Our Real Client Testimonials on YouTube
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 190 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 what your usable equity looks like and what you can borrow.
Service Areas We Serve Across Greater Brisbane & Bayside
From our Manly office we meet clients across the Bayside, the Redlands Coast and Brisbane’s east. Choose your suburb for local lending guidance.
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
Manly & Wynnum
Redlands Coast
Map: Gompk, CC BY-SA 4.0, via Wikimedia Commons (cropped)
Qualified, Licensed & Local
| Category | Details |
|---|---|
| Licensing | MC Mortgage Solutions Pty Ltd · ACN 128 555 902 · Australian Credit Licence 394061. Matthew Carr, Credit Representative. |
| Experience | Locally owned and operating on Brisbane’s bayside since 2007. Brokers with 15–25+ years of lending experience each. |
| Best-interests duty | As a mortgage broker, we’re bound by law to act in your best interests, a duty that applies to every broker in Australia. |
Our Lenders
We compare more than 200 loan products from 30+ banks and specialist lenders, including:
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 All Services
Next home lending is one part of what we do. Explore the rest of our Brisbane lending and financial services.
Financial Services
Income protection, investment, general insurance, accounting and self-managed super.
Explore financial servicesRefinance
Review your current loan against the market and switch when the numbers stack up.
Explore refinancingFrequently Asked Questions (FAQs)
Common questions about selling first, using equity, bridging finance and transfer duty when you move to your next Brisbane home. If yours is not here, ask us directly.
Should I sell my current home before buying my next one?
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.
Can I use equity instead of a cash deposit?
Often, yes, subject to valuation, serviceability and loan-to-value requirements. Usually involves a loan increase, separate split, refinance or bridging facility.
How does a bridging loan work?
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.
What happens to my existing mortgage when I move?
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.
Can I keep my current home and rent it out?
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.
Do repeat buyers pay transfer duty in Queensland?
Generally yes. A Queensland home concession may reduce it if the new property becomes your principal place of residence and eligibility conditions are met.
How long is the cooling-off period on a Queensland contract?
5 business days after you receive the signed contract, with a 0.25% termination penalty if you withdraw. Doesn’t apply to auction purchases.
Visit or Call Our Manly Office
MC Mortgage Solutions is based on Kingsley Terrace in Manly and meets clients across Greater Brisbane and the Bayside, in person or online.
| Monday to Friday | 8 am to 5 pm |
| Saturday | 9 am to 5 pm |
| Sunday | 9 am to 5 pm |
Australian Credit Licence 394061 | ACN 128 555 902