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

Should I sell my home before buying a smaller one?

Selling first is generally the safer order for a downsizer, since it avoids carrying two mortgages at once and lets you shop as a firm buyer. The Saskatchewan REALTORS Association's sales data shows a well-priced Saskatoon home typically selling within 30 to 60 days, the window you are betting on if you buy first.

The risk of buying first is financing, not just timing. A lender qualifying you while you still carry your current mortgage may cap what you can offer on the smaller home, and a bridge loan to cover the gap is an added cost most downsizers would rather skip.

The risk of selling first is a temporary move if nothing suitable is available when your house closes. Some sellers negotiate a longer possession date or a short-term rental to bridge a few weeks, and either beats being forced into a rushed purchase.

Which order fits depends on how firm your equity number needs to be and how flexible your timeline is. Get your hand-reviewed valuation from Joel Dyck.

Get your hand-reviewed valuation from Joel Dyck.

Still have a question?

Ask Joel directly. No form, no obligation, and a real answer even when the answer is that now is not the time to sell.