Buying your next home or investment property?
Whether you're upsizing, downsizing, relocating, or investing — we've got your back.
Buying your next property can be just as big of a decision as your first — and sometimes, even more complex. Whether you're selling your current home to buy again, building a property portfolio, or purchasing a holiday home, Valley Finance is here to guide you through the process with clarity and confidence.
We help homeowners and investors secure tailored loan solutions that align with both their short-term needs and long-term goals.
Buying Your Next Home?
If your current place no longer suits your lifestyle, or you’re ready to move into your forever home, we’ll help you make the transition smoothly. Whether you're selling and buying at the same time or keeping your current property as an investment, we’ll create a clear strategy that works for your situation.
We can help you:
Understand your borrowing power
Unlock equity from your current home
Navigate bridging loans or simultaneous settlements
Compare loans from over 40 lenders
Coordinate pre-approval so you’re ready to make your move
Keep things stress-free while you focus on your next chapter
Looking to Invest? We’ll Help You Do It Right.
Property investing can be a powerful way to build long-term wealth — but only if the finance structure supports your strategy. At Valley Finance, we take the time to understand your goals, risk profile, and future plans, so we can match you with a loan that supports your investment vision.
We’ll guide you through:
Principal & interest vs. interest-only loans
Fixed vs. variable rates for investors
Understanding rental yield and negative gearing
Unlocking equity from an existing property
Choosing the right lender for investment loans
Why choose Valley Finance?
We’re not a big franchise, we’re a local family-run business who genuinely cares. Based on the NSW South Coast, we know the local property market, and we understand the needs of home buyers and investors in our community.
We're here to answer your questions (big or small), explain things in clear simple terms, and make sure you feel confident at every stage.
Frequently Asked Questions.
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Yes — it’s possible with the right finance structure. A bridging loan can help cover the gap between buying your next home and selling your current one. We’ll talk you through the pros, cons, and whether it suits your situation.
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Typically, lenders require a 10–20% deposit for investment properties, but it can vary depending on the lender and your financial situation. In some cases, we may be able to access lending options with as little as 5% deposit.
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It can be. Lenders assess investment loans slightly differently — things like expected rental income, other debts, and existing equity all come into play. That’s why it’s important to work with a broker who can tailor the right strategy for your goals.
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Yes, this is one of the most common ways to fund a second property purchase. We'll calculate your available equity and help you access it without overextending yourself financially.
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With principal & interest, you repay both the loan and interest each month — reducing your debt over time. With interest-only, you only pay the interest, which can improve cash flow but doesn’t reduce the loan balance. We’ll help you decide which structure makes sense based on your investment plans.
