Make Your Next Move—Before Selling Your Current Home

If you’ve built equity and don’t need to sell right away, this could be the opportunity you've been waiting for.

🧭 Why This Strategy Works Now

In today's market, listings are sitting longer. Many sellers are holding off—waiting for prices to rebound. But if you’re in a strong position, that slowdown could work in your favour.

Here's what’s changed:

• Home equity is up for most owners who bought pre-2020
• Fixed rates are falling, improving affordability
• Inventory is high, meaning more choice and less competition when buying

This environment creates a unique window to secure your next home before everyone else rushes back in—without rushing to sell your current one.

💡 What is a Buy-Now, Sell-Later Strategy?

This move-up plan allows you to:

1. Use a refinance or HELOC to access your home’s equity for the next purchase
2. Buy your new home now, taking advantage of soft competition
3. Rent out your current home short-term to cover costs, if needed
4. Sell when the market improves—on your terms, not the market’s

✅ When It Makes Sense

This strategy could be right for you if:

• You’ve built significant equity in your home
• You’re financially stable with good credit
• You’re not in a rush to sell
• You’re ready for more space, a better location, or a lifestyle upgrade

📘 Real Client Example:

🏡 Meet Priya & Anil – Growing Family, Etobicoke

The Challenge: They needed a larger home near better schools but didn’t want to sell in a slow market.

The Strategy: We refinanced their current home, using $180K in equity for the down payment on their next home in Oakville. They bought before competition picked up, moved in comfortably, and began renting their old home on a 12-month lease.

The Outcome: Their current home value increased by $32,000 while they rented it. They’re now preparing to sell in a stronger market—and enjoying their dream home in the meantime.

🛠️ What We’ll Cover Together

In a personalized planning session, we’ll help you:

• Evaluate your home’s current equity and borrowing options
• Explore bridge loans, HELOCs, and refinance terms
• Model monthly cash flow with a short-term rental or carry plan
• Compare timelines and exit strategies to ensure you’re protected

🔎 This Isn’t for Everyone—But It Might Be for You

This strategy requires careful planning, financial stability, and the right lender fit. That’s where our expertise makes the difference. If you’re eligible, it could mean unlocking your next chapter—on your terms.