Joel DyckReal Broker SK Ltd.
Saskatoon · From the topic map

Can I sell my home and buy a new one at the same time in Saskatoon?

Yes, most Saskatoon sellers who are also buying make their purchase conditional on the sale of their current home, or line up short-term financing to bridge the gap. A lawyer closes both deals through Information Services Corporation, and seller closing costs of 4 to 6 percent still apply to the sale side either way.

A financing condition tied to your own sale protects you from being stuck with two mortgages, but it also makes your offer weaker in a competitive multiple-offer situation, since a seller comparing offers will usually favour one without that condition. Bridge financing solves that by covering the gap for a few weeks, at the cost of interest on both properties until your sale closes.

Possession dates rarely line up exactly, so most sellers plan for a short gap either way, whether that means a few days in temporary housing or a rent-back arrangement with the buyer of their old home. The right structure depends on your equity, your mortgage renewal date and how firm the other side of the deal is.

Get your hand-reviewed valuation from Joel Dyck.

Get your hand-reviewed valuation from Joel Dyck.

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