Whether it's more bedrooms, more space for a growing family, or just room to breathe, we'll help you work out what you can borrow and how to make the move to a bigger home.
Meet Mel and the Zest team, who've helped hundreds of families upsize into a home with more room to grow.
Upsizing often means a bigger mortgage and a tighter serviceability test, particularly if you are relying on the sale of your current home to fund part of the deposit. Lenders look at your income, your existing commitments and the equity you have built up, and they handle the gap between buying and selling in different ways.
We help you work out what you can borrow and how to make the move, then compare 60+ lenders to find one that fits your income, your timeline and your bridging needs if applicable. We are based in Springfield and work with families across Springfield and Ipswich.
At Zest Mortgage Solutions, we believe upsizing to a bigger home should be just as simple as your first purchase. Here are a few recent Zest Google reviews we think you'll love!
A quick chat with Mel & the team is the best place to start. We'll look at your equity, your income, and what a bigger mortgage would realistically look like. No cost, no obligation.
Upsizing often means a bigger mortgage and a tighter serviceability test, especially if you're relying on the sale of your current home to fund part of the deposit. We compare across 60+ lenders to find one that fits your income, your timeline, and your bridging needs if applicable.
Once we've found the right fit, we manage the application from start to finish, including coordinating timing if you're selling and buying at the same time. We'll keep you in the loop right through to settlement.
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An upsizing loan suits growing families and anyone moving to a larger home. You may be able to use equity in your current home as your deposit, and the right structure helps you manage the move smoothly. If you want to buy before you sell, look at a bridging loan.
Every lender is different, so we'll confirm the exact list for your situation before you apply.
Many Springfield and Ipswich families start in a smaller home or townhouse and later move to a larger block in estates such as Springfield Lakes, Augustine Heights or Brookwater. We help you plan the timing and the finance together.
The biggest question when you upsize is timing. If you sell first, you know exactly how much equity you have, but you may need to rent or move twice. If you buy first, you can take your time with the move, but you need a lender willing to carry both properties for a while, usually through a bridging loan. We map out both options with your real numbers so you can choose the one that suits your family.
A bigger home usually means a bigger loan, and lenders will test whether your household income can carry it with a buffer. Childcare costs, a parent on parental leave or a move from two incomes to one can all change what you can borrow, so we look at your budget for the next few years, not just today. We also include the costs of the move itself, such as transfer duty on the new home, agent fees and legal costs, so there are no surprises at settlement.
Many local families start in a townhouse or a smaller first home and move to a bigger block in estates around Springfield Lakes, Augustine Heights or Ripley. If that is you, our guides to upsizing from a unit to a house and upsizing without selling first walk through the steps.
You can meet Mel and the team at our Springfield office (Building 9, Level 1, 22 Magnolia Drive, Brookwater) or our Ipswich office (Level 3/16 East Street, Ipswich).
Want to talk it through? Book a free chat with Mel and the Zest team, or call (07) 3461 6499.
Selling first gives certainty about your budget, while buying first means you can secure the right home. A bridging loan can help if you buy first.
Possibly. If the numbers work, some upsizers keep their current home and rent it out. Loan structure is important here.
Some lenders offer loan portability, which lets you move your existing loan to the new property in some cases.
Allow for stamp duty, legal fees, agent fees on your sale and moving costs, in addition to the price difference.
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"Thank-you! As first home owners we were very unsure of the process. However, from our very first encounter with Mel, we felt comfortable and certain that we had chosen the right broker for us. Ashleigh helped us through the application process and was always prompt with emails/ phone calls and more than willing to answer our questions. You guys truly are amazing 🤩"
"Thanks to the fantastic team at Zest Mortgage Solutions. They made an incredibly complex business investment purchase extremely easy for us and kept us up to date with the process as it moved forward. I would highly recommend them and will be utilising their services in the future."
"Mel and the team have been amazing throughout the entire process. We were constantly informed and nothing was too difficult. It really couldn't have been a better experience. We would highly recommend Zest Mortgage Solutions!"
"Mel and the team at Zest Mortgage Solutions make the process of buying a house easy, there was always someone there to assist or answer questions - even during the festive season 😊 thanks team, 💯 recommend"
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"As a single mother, I never thought in a million years I could own my own home. Melissa and her team made the process so easy and stress free. I can’t thank them enough for making my dreams come true. No question was to dumb and they never made me feel like I was bothering them with all my calls for clarification! Would 10/10 recommend them to anyone looking to purchase a house."
