CFC Finance — Every step with purpose

Should I move? See what changes if you sell and buy another home

Sell your current home and buy another, and we'll show you the bits that actually decide it:

  • The cash you need up front to complete the move.
  • How your monthly repayment changes.
  • How the two paths compare over the long run.

Every figure is editable — general information only, not financial, credit or tax advice, and not a forecast.

Example — Cash to find up front (new loan)

Example figures — edit below to make them yours

$725,000

That's the answer for the example numbers below — not yours yet. Fill in your current home, the one you're buying, and your funding, and we'll show the cash you'd need up front and how your monthly repayment changes. Every figure is an estimate you can change.

Rates default to a typical estimate (the RBA cash rate + 2%), and stamp duty comes from the state's standard scale — not your actual lender or settlement figures. Pop your own numbers in below for a sharper answer.

What this includes

  • The sale costs, purchase costs and stamp duty you entered
  • The new loan implied by your cash contribution
  • A pre-tax 30-year property + cash projection (under “explore further”)

What it doesn't include

  • Tax (capital gains tax is never calculated here)
  • Lender approval, and any rate or cost changes

Current home — the one you're selling

Example numbers — change any to make them yours
Current property (the one you're selling)Net cash $525,350

The home you're selling — its sale price, current loan and selling costs. This gives the net cash from the sale.

$
$
%
○ Estimated · RBA fallback + 2%
Current repayment type (P&I (principal & interest — repayments that pay down the loan and cover the interest) / IO (interest only — repayments that cover only the interest for a set period, so the loan balance doesn't reduce))
years
$

Selling costs (editable)

%
$
$
$

discharge fee (a one-off fee your lender charges to close out and release the mortgage when you sell)

$
Optional — fills your postcode & state. You can still type a postcode below.
Optional — “Suburb or postcode” sets the indicative capital-growth rate used in the long-term outlook below. Leave it blank to use the editable default.
Estimated sale price$900,000
Less total selling costs− $24,650
Less current loan payout− $350,000
Less capital gains tax (your figure)− $0
Net cash from sale$525,350

Estimate only — general information, not financial, credit, or tax advice. Based on assumptions that may not reflect your actual outcomes; seek advice from a licensed professional.

New home — the one you're buying

New property (the one you're buying)Funds to complete $1,250,037

The home you're buying — its price, state (for stamp duty) and purchase costs. Stamp duty is calculated for you, with an optional override.

Funding the move

Funding the moveLoan $724,687

A plain 3-step walk-through: the funds needed to complete the move, the cash you'll put in, and the new loan that leaves.

Explore further

Curious about the long game? (30-year outlook — not a forecast)+$1,296,583 (move vs stay)

A simple pre-tax comparison of staying vs moving over 30 years — projected overall position (property equity + cash) and total interest. A what-if illustration, not a forecast.

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Guide only — not financial, credit or tax advice, and not a forecast. The long-term outlook is a simple pre-tax compounding illustration based on editable assumptions that may not eventuate. This tool does not calculate any tax (including capital gains tax); for tax matters, ask your accountant.

Estimate only — general information, not financial, credit, or tax advice. Based on assumptions that may not reflect your actual outcomes; seek advice from a licensed professional.