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Downsizing home loans Adelaide

Right-size your home.
Right-size your life.

Lendology helps Adelaide homeowners downsize smoothly - coordinating the sale, purchase and loan so the transition is clean and the finance works in your favour.

400+ Adelaide families helped
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60+ lenders compared
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No cost always - paid by the lender
Book a chat Call 08 8270 5138
Last reviewed: April 2026
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Downsizing finance

Releasing equity while moving to something that suits you better

Downsizing is often as much a lifestyle decision as a financial one. The finance side involves coordinating the timing of your sale and purchase, understanding your equity release, and ensuring the new loan is structured appropriately - particularly if you are moving closer to retirement.

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Equity release calculation - We calculate exactly how much equity you will release from the sale and how best to deploy it - paying down the new loan, investing, or a combination.
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Retirement income assessment - Some lenders assess superannuation drawdowns and pension income differently. Lendology identifies lenders who assess your income type most favourably.
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Downsizer super contribution - If you are 55 or older and have owned your home for 10 or more years, you may be eligible to contribute up to $300,000 per person ($600,000 per couple) from sale proceeds into superannuation. Source: ATO - confirm eligibility with your accountant.
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Bridging option - If you want to buy before selling, we model the bridging loan cost and assess whether it is appropriate for your situation.
How it works

The Lendology process

1
Equity and income assessment
We review your current property equity, any existing mortgage balance and your income position - including superannuation drawdowns or pension payments where relevant.
2
Purchase options
We identify what you can buy and how to structure the new loan - whether you need a mortgage, how much to retain and the most appropriate loan for your situation.
3
Timing coordination
We coordinate the sale and purchase timelines to minimise double-moving and bridging costs - working with your agent and conveyancer throughout.
4
Post-move rate review
Once settled, we review your loan against the full market to ensure you are on the most competitive rate for your new situation.
Calculator

Estimate your net proceeds from downsizing

A rough guide to what you might walk away with after selling and purchasing your next home. Lendology models the full picture for your specific situation.

Your situation
$1,100,000
$150,000
$650,000
Estimated outcome
$928k
Net sale proceeds (est. 2% costs)
$778k
After mortgage repaid
$128k
Left after new purchase
$0
New mortgage required
Does not include stamp duty on purchase, removalist or legal costs. The downsizer super contribution (ATO) may allow you to contribute up to $300,000 per person from sale proceeds into super - subject to eligibility. Confirm with your accountant.
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Common questions

FAQs

Do I need a mortgage if I am downsizing?
Not necessarily. If your sale proceeds exceed the purchase price of the new property, you may be able to purchase without a mortgage. If a mortgage is needed, the amount is typically much smaller than your current loan - and Lendology structures it to suit your income and timeline.
Can lenders assess superannuation income?
Yes - some lenders accept superannuation drawdowns as income for loan serviceability, particularly where you are drawing from an account-based pension. The treatment varies between lenders. Lendology identifies the most favourable approach for your income combination.
What is the downsizer super contribution?
If you are 55 or older and have owned your home for at least 10 years, you may be eligible to contribute up to $300,000 per person (or $600,000 per couple) from the sale proceeds into your superannuation fund as a downsizer contribution. This is outside the normal contribution caps. Confirm eligibility with your accountant or financial advisor. Source: ATO.
Should I sell before I buy when downsizing?
For most downsizers, selling first is the safer approach - you know exactly what you have to spend and avoid bridging costs. But if the right property comes up, bridging can allow you to secure it before your sale completes. Lendology models both options for your specific situation.
No-obligation consultation

Thinking about downsizing?

Book a chat with Jason or Steve. We map out your equity, purchase options and loan structure - at no cost to you.

Lendology is paid by the lender at settlement. Our advice is at no cost to you.