Most people think selling and buying at the same time is stressful. It doesn't have to be. With the right prep, you can move from your current home into your next one feeling confident the whole way through.
Get your pre-approval sorted before you list
This is the move most people don't think about - and it's a game changer.
Before your home even hits the market, we can get you a pre-approval for your next purchase. That means when you find the right place, you're ready to make an offer. No scrambling, no stress, no losing a property because you weren't ready.
Pre-approval gives you a clear number to work with. You know your budget, your lender is lined up, and you can move fast when you need to.
What does pre-approval actually involve?
It's simpler than most people expect. We look at your income, your current mortgage, your deposit (which usually comes from your sale proceeds), and what you're looking to borrow.
Because you haven't sold yet, we work with an estimated sale price for your current home. Banks are comfortable with this - it's a standard part of the process. We just make sure the numbers stack up well before you commit to anything.
Making an offer with confidence
Once your pre-approval is in place, you're shopping like a cash buyer - almost. You know what you can spend, your adviser is in your corner, and your offer is taken seriously.
You can also include a "sale of property" condition if you need to, which gives you time to sell your existing home before your next one goes unconditional. Most sellers expect this in the current market, so don't be put off by it.
When your home sells, we move quickly
Once you have a signed agreement on your sale, we update your pre-approval with the confirmed numbers and get everything locked in with the bank. It's a smooth handover from pre-approval to full approval - and we handle all of that for you.
You focus on the exciting part (finding your next home). We handle the finance side.
Ready to get the ball rolling?
If you're thinking about selling in the next few months, now is a great time to have a chat. We can look at your numbers, get pre-approval underway, and make sure you're set up to move when the time is right.
Book a call with Adam here to learn more:
https://www.mymortgage.co.nz/call-with-adam/
