One of the most common concerns I hear from clients is:
“How do I buy and sell at the same time without being stuck—or worse, temporarily homeless?”
Whether you're downsizing, upsizing, or simply making a lifestyle move, the idea of timing it all perfectly can be overwhelming.
But there’s a better way—and it’s working for many of my clients right now.
The Buy First, Sell Later Strategy
You're living in your current home (House #1), mortgage-free or with equity, and you’re ready for a change. But the idea of selling first, then scrambling to find your next home?
That’s risky, rushed, and often leads to regret.
This strategy flips the script—and puts you in control.
How It Works
Step 1: You find and buy your next home first—without having to sell your current one immediately.
Step 2: You move in calmly and comfortably—no boxes stacked to the ceiling during showings, no pressure.
Step 3: A short-term mortgage is secured using the combined value of both properties (your current home and the new one).
Step 4: The mortgage covers:
Purchase price of your new home
Property transfer tax
3 months of interest (no monthly payments required)
One-time setup fee (~2%, typically built into the financing)
Step 5: Once you’re settled in, you prepare and sell your original home properly—clean, staged, and timed to get top value.
Step 6: After the sale, you pay off the short-term mortgage in full. No long-term debt, no disruption.
💡 Example 1: The Downsizer
Current Home (House #1): Worth $2.3M, mortgage-free
Next Home (House #2): $1.8M condo or townhome
Total Value Secured: $4.1M
Short-Term Mortgage Covers:
$1.8M purchase price
Property transfer tax
3 months of interest
No monthly payments
🎯 Once House #1 is sold, the mortgage is cleared. You’re now comfortably in your new home and zero pressure. It’s time to sell house #1.
💡 Example 2: The Move-Up Buyer
Current Home (House #1): Worth $2.0M
Next Home (House #2): $3.9M
Total Asset Value: $5.9M
You secure a short-term mortgage on both homes that covers the $3.9M purchase + costs.
🎯 This lets you secure the home you really want—before selling. You move in, then take your time to list and sell your current home the right way.
Why This Works (What’s In It for You)
✅ No pressure to sell and buy at the same time
✅ Avoid showings, open houses, and cleaning while living in the home
✅ No need to tap into savings—costs are included
✅ No income qualification required — ideal for retirees or people on a pension
✅ Perfect for busy lives with kids, pets, work, or travel
✅ More control over when and how you move
✅ Better results when you sell because you’ve had time to prepare
This Strategy is Ideal For:
Seniors who want to downsize calmly without risking their routine
Professionals or families who found the right home and don’t want to miss out
Anyone feeling stuck because the logistics of buying and selling at once feels impossible
The key is to plan ahead—while it’s a choice, not a necessity.
Give yourself time, and give your agent the ability to guide you through the process without chaos.
If you’ve found a home you love but don’t know how to make the transition without disrupting your life, this Buy First, Sell Later strategy might be your best next step.
I’m here to walk you through the details, show you how the numbers work, and help you make a move that fits your timeline, not someone else’s.
Ready to Explore Your Options?
Let’s walk through your numbers and timeline. I’ll show you exactly how this could work in your situation—step by step.
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