Many Winnipeg homeowners face the same question when it's time to move: “Should I sell my current home first, or buy my new one first?” Balancing both can feel stressful, but with the right plan and the right guidance, it can actually be a seamless experience. Whether you're upgrading to a brand-new build or downsizing from your current property, here's a simple guide to help you make smart, confident moves. Step 1: Understand Your Financial Position Before making any decisions, speak with your mortgage advisor or bank to determine how much you can qualify for while still owning your current home. You'll generally have three main options: Bridge Financing – a short-term loan that lets you purchase your new home before your current one sells. Home Equity Line of Credit (HELOC) – use equity from your existing home as the down payment for your next purchase. Conditional Offer – make your offer to buy subject to the sale of your current property for fin...
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