In this episode of Australian Retirement Podcast, Owen Rask sits down with Ryan Dinsdale from Deposit Power to unpack a part of the property journey that can quietly shape retirement decisions: how downsizers bridge the gap between selling one home and buying the next. Ryan explains why the real challenge is rarely just finding the right property. It is timing the two transactions, freeing up enough equity, and avoiding a rushed decision that leaves cash sitting idle or forces a more expensive financing option. The conversation compares the usual paths people think about, including selling first, buying first and using a bridging loan, before breaking down how a deposit bond works as an alternative. They also explore when a deposit bond may suit retirees and pre-retirees buying off the plan, bidding at auction or trying to keep money in an offset, investments or super for longer. Just as importantly, Ryan walks through the trade-offs, the application process, the fee structure and the safeguards that help buyers understand what they are actually signing up for. If you are thinking about downsizing, helping family move, or simply want a clearer way to think about deposits, liquidity and flexibility, this episode will give you a practical framework to start with. This episode was proudly sponsored by Deposit Power. Chapters 00:00 Introduction 01:23 Downsizer Decisions 05:04 Buy or Sell First? 06:45 How Deposit Bonds Work 09:54 Bonds vs Bridging Loans 12:17 Application Process 15:21 Costs & Fees 19:05 New Builds & Timing 22:15 Deposit Power Background 25:06 Using Bonds at Auction 28:32 Downsizer Case Studies 32:57 Wrapping Up 34:21 Finding Financial Advice Episode resources - Deposit Power Website: https://bit.ly/4x95Ylo - Deposit Power fee calculator: https://bit.ly/4hJLs6a - Ask a question (select the Retirement podcast): https://bit.ly/R-quest Show partner resources - Visit TermPlus to learn more https://termplus.com.au/?utm_source=rask&utm_medium=podcast&utm_campaign=retirement_seekers&utm_term=general&utm_content=youtube_description - Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit: https://bit.ly/Pearler - Whatever comes next for your business, power it with Stripe: https://stripe.com Rask resources - All services: https://bit.ly/R-services - Financial Planning: https://bit.ly/R-plan - Invest with us: https://bit.ly/R-invest - Access Show Notes: https://bit.ly/R-notes - Ask a question: https://bit.ly/R-quest - We love feedback! https://raskau.typeform.com/to/ZbfHy6IP Follow us on social media - Instagram: https://www.instagram.com/rask.invest - TikTok: https://www.tiktok.com/@rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg