Coordinating sale and purchase timelines is where experience matters.

The ideal outcome is a clean back-to-back: your current home sells, the sale completes, and you take possession of your new home the same day or close to it. That's possible but not guaranteed. In practice, one side of the transaction usually moves faster than the other.

If your new home closes before your old one sells, you're carrying two mortgages. If your old home sells first, you're living somewhere in between. Both situations are manageable. You need to know going in which scenario you're heading toward and what it costs.

Bridge financing lets you take possession of your new property before your existing one closes, using the equity from your pending sale as security. It's a short-term product, typically 30 to 90 days, and it carries a higher rate than your standard mortgage.

Bridge financing is often the right call when both transactions have firm dates and the gap between them is short and known. What it's not is a rescue product for a slow sale. We'll tell you whether bridge financing makes sense for your specific situation before you're committed to it.

If your current mortgage is discharged at sale, the calculation is clean. If you're porting your existing mortgage to the new property, carrying the same product and rate, there are rules around how that works, and not all properties or scenarios qualify for portability.

Your existing debt load affects how much you can qualify for on the new purchase. We run this math before you start shopping so you know your actual budget, not a theoretical number that assumes a clean slate.