Upsizing your home is a big move, especially in Sydney’s North Shore. Whether you're welcoming a growing family, need a home office with space, or simply chasing your dream suburb, the process can feel overwhelming.

The good news? With expert local guidance, home loans for upsizers on Sydney's North Shore can be structured to suit your goals, budget, and timeline. From understanding your borrowing capacity to unlocking equity in your current property, we’ll walk you through every key step.

And in 2025, upsizers are in a unique position. According to CoreLogic, North Shore suburbs like Lane Cove, Turramurra, and Forestville have seen steady property value increases of 4.7% year-on-year, meaning you may already have more equity than you think.

Let’s get started.

Why Upsize Your North Shore Home in 2025?

North Shore Sydney continues to offer an unbeatable mix of lifestyle, schools, green space, and capital growth potential. For many locals, upsizing is about staying in the area they love while gaining extra room and comfort.

In 2025, the median house price in Upper North Shore suburbs sits around $2.3 million (source: Domain Quarterly House Report, July 2025), while areas like Balgowlah and Manly on the Northern Beaches are pushing past $2.6 million. Despite the price tags, lenders are offering tailored loan products to help families upgrade with flexible repayments and better features.

What Kind of Home Loans Suit North Shore Upsizers Best?

When it comes to home loans for upsizers in North Shore Sydney, the right product depends on your financial goals and whether you're buying before or after you sell.

Here are the main types of loans to consider:

• Bridging Loans: Short-term finance that lets you buy your next home before selling your current one.
• Offset Account Loans: Reduce interest by linking your savings to your mortgage.
• Line of Credit Loans: Useful for renovations post-purchase.
• Variable Rate Loans: Great if you want flexibility with extra repayments.
• Fixed Rate Loans: Ideal if you want repayment certainty for 1–5 years.

Note: We can help you compare these options based on your specific situation, including access to local lenders that understand the North Shore property market. We know it can seem daunting, and the best strategy is to break it down into clear logical steps. Just contact Sabea Financial to walk through the process and your goals.

How Much Can You Borrow as an Upsizer?

This depends on your income, expenses, existing home equity, and the type of loan you choose. In 2025, lenders are more cautious with debt-to-income ratios, so it’s crucial to know exactly how much you can afford before making offers. Using a local mortgage broker also means we’ll assess your borrowing power upfront, saving you time and reducing risk.

In general:

• Most lenders offer up to 80% LVR (loan-to-value ratio) without LMI.
• If you’ve owned your home for a while, your equity could cover the deposit.
• You’ll need strong serviceability, especially if you’re holding two properties during a bridging period.
  
  

Should You Sell First or Buy First?

This is the classic upsizer dilemma and often the hardest decision of all. If you’ve got equity and a strong borrowing position, buying first can work - especially with bridging finance as you are able to make a cash offer on your next home.

Both options have pros and cons:

Buy First:

• You get your dream home without delay.
• Risk of paying two mortgages for a short tim e.
• You’ll likely need a bridging loan.
  
  

Sell First:

• You know exactly how much you can spend.
• Potential delay in finding the right next home.
• Need temporary accommodation or extended settlement terms.
  
  
  

How to Use Equity to Upsize

If you’ve built up equity in your current property, you can use it to fund the next one. Essentially, this equity can be your deposit for your next home, saving you from dipping into savings or selling urgently. Refinancing your current home as part of the upsizing strategy can also help you secure a better rate before moving.

Here’s how it works:

• Let’s say your home is valued at $2 million, and you owe $800,000.
• That gives you $1.2 million in equity.
• You could access up to $800,000 (80% LVR) as part of your new loan.
  
  

What Features Should You Look for in an Upsizer Loan?

When you’re moving up the property ladder, you’ll want a loan that supports your goals and gives you flexibility. At Sabea Financial we’ll walk you through each feature and recommend lenders that suit upsizers best.

Here's the kind of options we can help with:

• Redraw Facility – Useful for renovations or emergencies.
• Offset Account – Save on interest while managing your cash flow.
• Flexible Repayments – Make extra payments without penalties.
• Split Loan Options – Mix fixed and variable to manage risk.
  
  

Local Lender Insights for North Shore Homeowners

In 2025, lenders are especially active in areas like Chatswood, Epping and Roseville, offering competitive loan packages for borrowers with good equity and stable incomes. We know which banks are currently processing faster, who’s lenient with bridging finance, and who’s offering sharper fixed rates — all tailored to home loans for upsizers in North Shore Sydney.

Some local lenders are even offering:

• Valuation fee waivers
• Discounted rates for refinanced loans
• Fast approvals for pre-qualified buyers
  
  

FAQs: Home Loans for Upsizers North Shore Sydney

Can I use my current home equity to fund my new purchase?
Yes, if you have enough equity, it can be used as a deposit or part of the new loan. We’ll show you how.

Is bridging finance a good option for upsizing?
It can be, especially if you find your ideal dream home before selling, which can happen a lot. We can help you structure it to minimise interest and stress.

How do I know how much I can borrow for upsizing?
We’ll assess your income, expenses, equity, and current mortgage to give you a clear borrowing capacity upfront. Just get in touch with Sabea Financial here.

What’s the benefit of using a broker over going direct to a bank?
We give you access to over 60 lenders and personalised advice — banks only offer their own products.

Do I need to sell my home before I can upsize?
Not necessarily. Bridging loans or equity release may let you buy first. We'll guide you through the best option.

Are there stamp duty concessions for upsizers?
Not usually in NSW, but we can help you budget for it and consider options like selling within a certain timeframe to offset costs.

How long does the upsizing loan process take?
Generally 2–4 weeks, depending on your documentation and the lender. Pre-approval can also help speed things up significantly.

Ready to Upsize? Let’s Find Your Perfect Home Loan

Upsizing in today’s North Shore market isn’t just about finding a bigger home — it’s about choosing the right finance to support your long-term goals. Whether you’re eyeing a bigger backyard in Forestville or more bedrooms in Killara, getting your finance right from the start makes all the difference.

At Sabea Financial, we’re experts in home loans for upsizers in North Shore Sydney. We’ll compare the right lenders, guide you through bridging or equity finance, and negotiate on your behalf — all tailored to your needs and timeline.

Call us on 1300 001 755, email info@sabea.com.au, or visit our homepage to book your free, no-obligation consultation. Let’s help you make the next move — smarter, faster, and with confidence.