You've bought the first home. You've got equity (probably more than you think). The kids need a playroom, the cars are getting old, and you're eyeing the upgrade. So what's the play — sell and buy, keep the first one as a rental, or something smarter?

In this episode, Bindi and Alex unpack the upgrade decision properly. Not the lazy version where you just rent out the first house and stretch into something bigger. The real conversation: what your equity is doing, what your borrowing capacity will actually let you do, and the six options most people don't realise they have.

What we cover

• BBQ Chats (new segment): "I know I've got equity — how do I actually get it out?"
• The two default plays — and why both are usually wrong.
• The six-option triage. What a good broker actually walks you through.
• Why bridging finance has an unfairly bad rap.
• The borrowing capacity trap.
• The CGT-free window.
• Why people who sell-and-buy in the same market usually win — and why the ones who sell, then wait six months, almost always lose.

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Finance, But Neat is hosted by Alex Watson, mortgage broker and director of Funded Finance. Information shared is general in nature only and does not constitute financial, tax, or investment advice.