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

Should I sell my house before I buy the smaller one?

Selling first is usually the safer order if you need the equity from your current home to buy the smaller one, since it avoids carrying two mortgages or a bridge loan at once. Selling second protects you from being without a home, but it depends on negotiating a longer possession date or a rent-back with the buyer.

A bridge loan is the usual fix when the numbers do not line up, and Canadian lenders typically price it against the equity in your sold home once a firm agreement is in place. CMHC's mortgage rules still apply to whatever financing remains on the smaller home, so a lender needs your sale numbers finalized before approving the new purchase.

Timing the two possession dates to overlap by even 7 to 10 days removes most of the stress, but it requires both agreements to be flexible on dates, which a seller's market rarely offers and a slower one does. Where you have genuine equity and no urgency, listing first with a longer possession date is usually the least expensive route.

This is exactly the situation a hand-reviewed valuation is built for, since knowing your realistic number before you shop for the smaller home tells you what bridge financing, if any, you actually need. Joel Dyck's hand-reviewed valuation gives downsizing sellers that number before they make an offer on anything.

Get your hand-reviewed valuation from Joel Dyck.

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