MORTGAGE ADVICE

Buying your next home

You already have a home and you want to move. More space, a different area, or simply a house that suits you better. But now you are buying and selling at the same time, which makes the order of things tricky.

Sell first and you know where you stand, but you need somewhere to go. Buy first and you carry the risk that your old home is not sold yet. Which order makes sense depends on your equity, your income and how much risk you are willing to take.

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What we do for you

We lay out the order

Buy first or sell first: we show what each scenario means for your costs and your risk, so you choose deliberately.

We calculate the bridging loan

If your equity is still tied up in your old home, a bridging loan can cover it for a while. We work out what it costs and how long you need it.

We look at your current mortgage

You can sometimes take your interest rate with you to your new home. Whether that works out well depends on your terms and on rates at the time.

We plan for two homes at once

You want to know what you can carry if your old home stays unsold for a while. We calculate that beforehand, not afterwards.

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Frequently asked questions about moving on

There is no fixed answer. Selling first gives certainty about your budget; buying first gives calm in your search but means you may own two homes for a while. We put both scenarios side by side, with the costs.
A temporary loan against the equity in your current home, so you can use it before that home is sold. You repay it on completion of the sale. Lenders set conditions on how much of that value they count.
Many lenders have an arrangement that lets you move your rate to your new home. The conditions differ per lender, and it is not always better than taking out a new mortgage. We compare it for you.
It is released when your current home is sold. What you do with it matters: not putting it into your new home can affect how your interest is treated for tax. We go through that before you sign anything, and point you to your accountant or the tax authority when in doubt.
You can, but it is a real risk: if the financing falls through, you are still bound to the purchase. So we work out your room to borrow first, so you know what you can bid before you drop that clause.
Then you pay for two homes for a while. How long you could carry that should be part of your plan. We include that scenario before you make an offer.

Let's make your home plans hecht.

Hecht is opening soon. Already have a question about your plans? Send us an email, we're happy to think along.