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

Should I sell my Montgomery Place home before I buy the smaller one?

There is no single right order, but a lender's math usually decides it for you. CMHC's underwriting rules require proof you can carry both properties if there is any overlap, which pushes many owners toward selling the Montgomery Place home first and using the $444,700 price level to size what they can actually offer next.

Selling first means your next offer is backed by real proceeds rather than a projection, which matters most in a market where financing conditions on your own offer could make you less competitive against a buyer who is not waiting on a sale.

Buying first can work if you qualify to carry both mortgages temporarily, but it concentrates risk. If the Montgomery Place home takes longer than expected to sell, you are paying two sets of costs, and a bridge loan or line of credit against the existing equity is usually the tool that closes that gap.

The right choice comes down to your own financing room and how replaceable the smaller home is if you wait. Get your hand-reviewed valuation from Joel Dyck.

Get your hand-reviewed valuation from Joel Dyck.

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