Buying before you sell worksheet
Put in your numbers to see what you would owe while you own both homes, and after the sale settles.
$0
estimated loan once your sale settles
- Equity in your current home
- Peak debt while you own both
- Interest during the bridge, if added to the loan
- End loan as a share of the new home
A guide only. Lenders assess bridging finance differently and not every lender offers it.
How to read the numbers
- Equity is what is left from your sale after the current loan and selling costs.
- Peak debt is what you owe while you own both: the current loan, plus the purchase and its costs, less your savings.
- End loan is the peak debt plus bridging interest, less your net sale proceeds.
If the end loan is over 80% of the new home’s value, lenders mortgage insurance may apply.
Questions to answer before you offer
- How long will the lender give you to sell?
- What is a realistic price and time on market, based on recent sales nearby?
- Could a longer settlement give you time to sell without a bridge?
- What happens if the sale takes longer, or comes in $30,000 lower?
General information, last updated November 2026. Scheme figures, lender policies and duty rates change, so confirm them before you rely on them.
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