The Confident Upgrade: How Courtney’s Family Moved Forward Without Compromise
- Healthcare Home Loans
- 1 day ago
- 3 min read
Balancing a young family, a growing business, and a property upgrade sounds like a recipe for stress. But with the right strategy, it can be a seamless leap into the next chapter. Just ask Courtney.
A Family Ready for More
Courtney and her husband found themselves in a familiar space. Their home, once perfect, now felt tight. Life was expanding. So were their ambitions.
They were ready to upsize. More room for the kids. A layout that worked. A location that matched their lifestyle. But with a property to sell, a new home to buy, and interest rates to navigate, they needed more than a loan.
They needed clarity, structure, and someone who could take the pressure off.
The Obstacle: Outdated Thinking
Courtney’s husband had spent the past 18 months building a thriving business. Revenue was strong. The growth was steady. The future looked secure.
But when they approached their previous broker, they were told their efforts didn’t count.
Because the business hadn’t ticked over the arbitrary two-year mark, they were offered a sub-par loan with inflated rates and mediocre features. No nuance. No effort to find a better fit. Just a lazy ‘no’.
It felt like a punishment for being ambitious.
The Shift: Tailored Lending, Not Box-Ticking
That’s where we stepped in. Instead of defaulting to rigid policy, we dug deeper into what was possible, not just what was standard.
Using NAB’s flexible self-employed policy, we structured a loan using just 180 days of the director’s wages and annualised this income. This allowed us to present a strong case, with numbers that reflected the real health of the business.
Not only did Courtney and her husband get approved, but they got a competitive rate with a leading lender.
The Plan: Certainty First, Then the Hunt
Before they even started house-hunting, we laid the groundwork:
Pre-approval secured, contingent on the sale of their current home
Clear borrowing power established, so they could shop with confidence
A funding structure that supported their timing and price point
Within weeks, they’d found a buyer for their existing home and a new property they couldn’t walk away from.
Then came the real curveball. Both the buyer of their old home and the seller of the new one refused to budge on settlement timing.
The Crunch: When Dates Clash and Stakes Rise
With pressure building and two parties locked into inflexible timelines, the risk was real.
So we activated Plan B. A rapid bridging loan quote from Bridgit, one of the fastest and most competitive lenders in this space. It gave Courtney’s family breathing room, an insurance policy that kept the new home within reach.
But thanks to some smart, steady negotiation, we didn’t need it. We aligned both settlements to happen at the same time.
No double repayments. No panic. No temporary move. Just a smooth, direct transition.
The Outcome: A Seamless Move. A Stronger Future.
Courtney and her family moved into their new home on their terms. They didn’t have to compromise on interest rates, wait out arbitrary lending rules, or get stuck in financial limbo.
They got structure. They got smart lending. They got someone in their corner.
We handled the stress. They focused on the future.
Thinking About Your Next Move?
If you're like Courtney and her husband, juggling family life and a growing career or business, the idea of upgrading your home can feel overwhelming.
But it doesn’t have to be. Whether you're buying, selling, self-employed, or unsure what comes next, there is a smarter way to finance your future.
Talk to a specialist who can see the full picture, not just the paperwork.
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