Found the home you love before you have sold your current one? It happens more often than you might think, and with the right plan, it can feel organised and calm.
Here are the options I walk clients through.
Bridging finance. A short-term loan that covers the gap between buying and selling, often for a period of around six to twelve months. It lets you buy with confidence while your current home goes to market.
Smart timing. A longer settlement on your purchase, or a shorter one on your sale, can line the two dates up and reduce how long you carry both loans.
Pre-approval first. Knowing what you can borrow before you start looking means you can move quickly when the right home appears.
A realistic valuation. A clear idea of what your current home is likely to sell for helps you plan your numbers and avoid surprises.
The full cost picture. Stamp duty, agent fees, moving costs and interest on both loans all count. We map these out so your budget is ready before you make an offer.
Upgrading is a big step, and the right preparation makes it a lot more enjoyable. Our team can help you plan the sequence, one conversation at a time.
What is on your wish list for your next home?
