2 Downsizing is your time to focus on what matters most, whether that’s freeing up finances, moving closer to loved ones or finding a home that just feels right. At Funding, we’ve helped many over-50s navigate this important step, and we understand it can sometimes feel stressful. But with the right plan in place, you can approach downsizing with peace of mind. Here are our top tips: 1. Know your goals Understanding your motivations for downsizing is crucial to finding the right home and lifestyle. How do you want to live your life now and what are you moving towards? What do you want to make more time for? Get clear on your priorities, so that you end up making the move to somewhere that enhances your quality of life. 2. Understand your financial position Review your financial health to understand your home’s equity, existing debts and expenses. A clear picture of your finances will help you know what you can afford for your next property and the potential savings from downsizing. Before you start searching, it’s also useful to use an online loan calculator to see how much you could potentially borrow, so you’ll feel more in control. 3. Find a home for today and tomorrow Look for a place that will make your life simpler and happier, both now and in the years to come. Consider your future needs by looking for homes with features that will keep you comfortable and independent like single-level living, good lighting, low-maintenance spaces and easy access to healthcare and other essentials. 4. Discover your community Think beyond just the physical space. When you are researching, look for areas that offer social opportunities, like fitness centres and other activities you may enjoy, so your new home supports not just your living space, but your lifestyle. 5. Explore your options Take a moment to consider all your financial tools. For example, Funding’s bridging finance helps secure your next home before selling your current one, taking the stress out of the process. 6. Lighten the load Downsizing can mean sorting through years of memories. Break it into small steps and focus on keeping the things that bring you joy. If the process feels a bit much, enlist professionals like removalists to give you a hand. 7. Embrace the journey Moving on from a long-time home can stir up all sorts of feelings. Take the time you need to adjust. Bringing along a few treasured items can help your new home feel more welcoming. Ready to take your first step? Use our free online loan calculator at www. funding.com.au/downsizer-calculator to see how much you could potentially borrow to downsize. If you’d like more information on how Funding’s bridging finance can make downsizing stressfree, visit www.funding.com.au or call us on 1300 44 33 19. The Funding Bridging Loan calculator is an indicative estimate only - it is not a loan quote or loan offer. All loans are subject to the lender's credit assessment, approval and property valuation(s). The information provided is general in nature and does not constitute personal financial advice. It has been prepared without taking into account your objectives, financial situation, or needs. Fees, terms and conditions apply. Refer to our Credit Guide, available at www.funding.com.au. Funding Pty Ltd A.C.N. 607 035 861 Australian Credit Licence 483665. (see advert back cover) Tips for Stress-Free Downsizing THINKING OF SELLING YOUR PROPERTY? Alistair Hamilton Principal / Agent 0413 945 599 5518 3294 WE ONLY CHARGE 1% COMMISSION SAVING YOU THOUSAND$ OF DOLLARS! SELLING ALL OVER THE COAST email@onepercentgcrealty.com.au www.onepercentgcrealty.com.au GIVING 100% SERVICE Tired of Broken Vertical Blinds? Blinds Don’t Open? Fabric Blades Faded? CALL RON 0438 724 834 No Call Out Fee or Minimum Charge SPECIAL PRICES FOR SENIORS We can fix them or replace Tracks only, New Blockout Blades or complete NEW Verticals with simple Wand Controls Put a GIANT on your Roof! Cool your whole House or Business Efficiently! CALL NOW! SAVE NOW! $585 + FREE INSTALLATION Industrial & Residential Vents Bigger! Cleaner! Tougher! Remove the Heat! Kill the Mould! Cool Your Home! Do not delay, Your roof needs Cooling and Drying Now! Call Giant Vents! Australian Designed & Made! Keep your Home and Business Cool, Dry & Safe. CALL IMMEDIATELY 1300 925 757 A Colour to suit your Roof! 1300 925 757 *Conditions Apply, Call for information. Additional Fee’s may apply to some Travel areas and Post Codes. Tempretures will differ between buildings. ABN 40 616 668 805
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