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Benefits to selling first

Know where you stand
Know your borrowing power with funds at the ready for your next property.
Freedom for you to decide
Extend your settlement for more time to find your perfect new property.
Try it before you buy it
Rent before buying in unfamiliar suburbs to get to know the neighbourhood.

Use portability to keep your loan and save

Portability, also known as a substitution of security, gives you the power of choice to keep your home loan.

When selling, instead of discharging your mortgage, you keep it. You then request a security swap, changing the property held as security against the loan from your old property to your new one.

NB: Speak to a home lending expert to see if portability is right for you.

Benefits to buying first

Secure your dream
Buy your dream property at the right price when you find it.
Beating a property boom
Get in early in a rising property market before prices peak.
Accessing your equity
Use home equity for a deposit or to purchase a new property. 
Manage the journey
Purchase a new property before you've sold with a relocation loan.

Things to consider before you buy

Access your home equity

Using your equity, you can apply to increase your home loan to renovate to sell, upgrade to a new property or have a deposit ready to make a purchase.  

Calculate borrowing power

Relocation or bridging loans

Found a new property but haven’t sold your old one? A standalone relocation loan or one combined with a new home loan could bridge the gap for up to 12 months. 

More about my options

Renovation or relocation?

If you’re selling to relocate, use equity or a loan increase (top-up) for renovations, while if extending to stay, a building or construction loan could fit the bill.

Building loans explained

Where are you on your property journey?

I’m still researching

From homeowners to property investors, find out what your property could be worth if you sold now, or decided to rent it out.

Search my address

I’m ready to sell

Selling but not sure when you’ll buy? You could port your loan or compare our home loan options to find a loan to suit your future needs.

Compare home loans

I’m ready to buy again

Know where and what you want to buy but taking that next step on the property ladder can be daunting. We'll guide you all the way.

Buy my next home

I’m building a portfolio

You've bought and sold many times. Now you're looking to invest or build a property portfolio for ongoing rental income or future capital gains.  

Property investor

Important information

While the property information available from this page is offered to our customers with the permission of RP Data Pty Ltd, St.George accepts no responsibility for the accuracy or completeness of the data. We recommend you seek independent advice before making a decision based on the information. This publication contains data, analytics, statistics and other information supplied to St.George by RP Data Pty Ltd trading as CoreLogic Asia Pacific (CoreLogic) (CoreLogic Data). CoreLogic and its licensors are the sole and exclusive owners of all rights, title and interest (including intellectual property rights) subsisting in any CoreLogic Data. All rights reserved.

The data and information (including commentary) provided in this publication (together, Information) is of a general nature and should not be construed as specific advice or relied upon in lieu of appropriate professional advice. While CoreLogic uses commercially reasonable efforts to ensure the Information is current, CoreLogic does not warrant the accuracy, currency or completeness of the Information and to the full extent permitted by law excludes all loss or damage howsoever arising (including through negligence) in connection with the Information.

An automated valuation model estimate (AVM Estimate) is a statistically derived estimate of the value of the subject property. An AVM Estimate is generated (i)by a computer driven mathematical model in reliance on available data; (ii) without the physical inspection of the subject property; (iii) without taking into account any market conditions (including building, planning, or economic), and/or (iv) without identifying observable features or risks (including adverse environmental issues, state of repair, improvements, renovations, aesthetics, views or aspect) which may, together or separately, affect the value. An AVM Estimate is current only at the date of publication or supply. An AVM Estimate must not be relied upon as a professional valuation or an accurate representation of the market value of the subject property as determined by a valuer. CoreLogic expressly excludes any warranties and representations that an AVM Estimate is an accurate representation as to the market value of the subject property. To the full extent permitted by law, CoreLogic excludes all liability for any loss or damage howsoever arising or suffered by the recipient, whether as a result of the recipient's reliance on the accuracy of an AVM Estimate or otherwise arising in connection with an AVM Estimate

Contains property sales information provided under licence from the Land and Property Information (“LPI”). RP Data Pty Ltd trading as CoreLogic is authorised as a Property Sales Information provider by the LPI.

This information is general in nature and has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information to your own circumstances and, if necessary, seek appropriate professional advice.

Conditions, credit criteria, fees and charges apply. Terms and conditions available on request. Based on St.George's credit criteria, residential lending is not available for Non-Australian Resident borrowers. Credit provided by St.George – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.


Based on or contains data provided by the State of Queensland (Department of Resources) 2022.
In consideration of the State permitting use of this data you acknowledge and agree that the State gives no warranty in relation to the data (including accuracy, reliability, completeness, currency or suitability) and accepts no liability (including without limitation, liability in negligence) for any loss, damage or costs (including consequential damage) relating to any use of the data. Data must not be used for direct marketing or be used in breach of the privacy laws; more information at

South Australia

© 2022 Copyright in this information belongs to the South Australian Government and the South Australian Government does not accept any responsibility for the accuracy or completeness of the information or its suitability for purpose.

New South Wales

Contains property sales information provided under licence from the Land and Property Information (“LPI”). RP Data Pty Ltd trading as CoreLogic Asia Pacific is authorised as a Property Sales Information provider by the LPI.


The State of Victoria owns the copyright in the Property Sales Data and reproduction of that data in any way without the consent of the State of Victoria will constitute a breach of the Copyright Act 1968 (Cth). The State of Victoria does not warrant the accuracy or completeness of the Property Sales Data and any person using or relying upon such information does so on the basis that the State of Victoria accepts no responsibility or liability whatsoever for any errors, faults, defects or omissions in the information supplied.

Western Australia

Information contained within this product includes or is derived from the location information data licensed from Western Australian Land Information Authority (WALIA) (2022) trading as Landgate. Copyright in the location information data remains with WALIA. WALIA does not warrant the accuracy or completeness of the location information data or its suitability for any particular purpose.

Australian Capital Territory

This product incorporates data that is copyright owned by the Crown in Right of Tasmania. The data has been used in the product with the permission of the Crown in Right of Tasmania. The Crown in Right of Tasmania and its employees and agents: (a) give no warranty regarding the data's accuracy, completeness, currency or suitability for any particular purpose; and (b) do not accept liability howsoever arising, including but not limited to negligence for any loss resulting from the use of or reliance upon the data. Base data from the LIST © State of Tasmania